vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-07 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My home should've been foreclosed on prior to the COVID Pandemic, but it wasn't. COVID regulations helped delay the process. I wasn't able to make payments for a considerable amount of time due to unemployment and other reasons. 

On XX/XX/XXXX, my home burned down ( complete loss ). I informed the mortgage company and filed an insurance claim. The only insurance coverage was for the mortgage. The insurance company determined the amount of the payout and issued a check for approx $ XXXX. The full amount was made available to the mortgage company to be applied towards the principal. 

In XX/XX/XXXX, we put the property up for sale and a buyer quickly made an offer of $ XXXX. Shortly thereafter, the mortgage company filed a foreclosure lawsuit against us fully knowing that we had both a buyer and insurance money available to settle any outstanding debts with them. 

At this point, the mortgage company stated that since we were in foreclosure, they could not apply the insurance payout funds against the principal. They started requesting various documentation so that the foreclosure would change from " active '' status to " hold '' and then the insurance payout monies could be applied. All of the mortgage company delays have lined their pockets with additional interest off of the loan and whatever interest they're making off the insurance payment monies that haven't been applied, After filing all requested documentation, my foreclosure lawyer was in contact with the mortgage company 's foreclosure firm and they had agreed in principle to let the insurance payout funds to be applied under certain stipulations ( the paperwork that was already filed with the mortgage company ). 

Today ( XX/XX/XXXX ), the mortgage company is now saying that we are in a short sale status because the buyer 's offer is less than the amount owed and we have to follow the short sale protocols which can take up to 120 days. They are scheduling an appraiser and working with the underwriter to determine the value. We may lose the buyer over all these delays. 

The mortgage company still has NOT applied the insurance payout funds. $ XXXX ( offer ) + $ XXXX ( insurance payout ) is > than amount owed ( $ XXXX ). This appears to be unethical and perhaps illegal to withhold insurance payout money like that.

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 2022-06-07 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry XXXX XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX, Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
I have had good relationship with TCF bank when I lived in XXXX, XXXX  I moved XXXX  in XXXX and TCF bank  merged to Huntington Bank. 
I have had IRA CD matured in XX/XX/XXXX. I asked minimum distribution requirements ( RMD ) {$1200.00} many times Huntington bank and notified the new address in XXXX and XXXX. 
They have not sent me MDR yet. I notified XXXX who worked XXXX XXXX Huntington bank, '' I want to close my IRA cd on mature date and transfer to XXXX XXXX broker account in XX/XX/XXXX and get the bonus {$400.00} til XXXX XXXX '' but it seemed to be very difficult because bank asked so many documents. XXXX XXXX of XXXX XXXX couldn't transfer my IRA after matured date. I notified bank not renew CD and Bank send me CD and I will send to XXXX. Huntington Bank asked me to close " send notarized letter to close CD '' and I sent it after they received my mail. asked me " Send copy of ID '' and sent it then asked " notarized ID ''. Why they didn't give me instructions to close the CD after due date. After this, manager corette asked me to fill up the form to close.

They kept asking forms one mail after mail. I lost the chance to get bous {$400.00} because they are holding my CD. 
I heard I don't pay MDR, IRS charge me the penalty, 50 % of {$1200.00} so I requested Huntington Bank. 
They refused it so I complained to attorney general office Illinois. 
The answer was I didn't provide the documents. They didn't see Huntington bank didn't pay MDR for last year and didn't provide instructions how to close for matured CD and kept asking one received then another one. Bank didn't send my IRA CD yet and MDR with penalty. I lost the chance to get Bonus {$400.00} because it passed due date. I want receive my IRA CD, Bonus {$400.00} and penalty of MDR {$600.00}.

I want to report Hunting bank is doing malpractice. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX Capital One Acct # XXXX Auto : XXXXXXXX XXXX XXXX Last Payment Made : XX/XX/XXXX ( Automatic Payment ) Amount : {$180.00} Agreement Illegal Repossession Please be advised that I have been in a payment arrangement with Capital One Auto Loan making payment through automatic pay every month. Capital One takes the money out of my bank account from my social security XXXX check the first week of every month. On XX/XX/XXXX I went outside to find out that the car was not in front of my house. I called my local precinct XXXX and as per the police officer findings he stated that Bank Repossession was Reported. I spoke with the bank and they stated that the was a {$400.00} dollars repossession fee assessed I asked why have they not sent me a notice to my home or call me, they stated Do Not Call in which we have never noted and that must have been done at their end but since there is an automatic payment agreement might have NOT been a need to call me. I stated to them that in the 5 years that I have had the car that I have never had said problem. I explained that I've been the one calling them requesting for a vehicle modification due to Global Covid-19 Pandemic " Hardship '' and Landlord/Tenant problems in which tenants were not paying rent causing for me to call my creditors requesting loan modification, forbearance agreement, vehicle modification, and other type of payment plans in order to keep my account " Active '' and in good payment standing with my creditors. As a Consumer Financial Protection Bureau, I would like for you to contact Capital One with my complaint since now they want for me to pay over {$2300.00} dollars when they have been taking the payments themselves out of my bank account. 
I want for them to reconsider their action as illegal repossession and I want for them to get my account back as " Active '' and in good standing with the credit bureaus as well as with their internal financing. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Equifax again removed almost all of my accounts from my credit report and also has as main address a property I have already sold in 2021. This is the second complain regarding the same issue. Equifax on my first complaint put back all my accounts in the credit report, but yesterday they removed most of my credit information again. I have tried to contact them by phone but is almost impossible to get to someone to answer me of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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:
I have tried to dispute many objects on my transunion and XXXX report. Transunion is always rude when I call. They will not delete anything. I sent in the documents that is paid to delete and they are still there such as XXXX  XXXX. I have all these unknown inquiries and they tell me it is not their issue. Instead of my credit report getting better with transunion it is getting worse. I am not sure if the companies is reporting things correctly or how transunion is recording my data but it is not correct. It makes an adult like myself want to give up on trying to fix my credit. My credit is progressing with other bureaus but transunion, it is rapidly declining. I am not sure what else to do.

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 2022-06-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX # XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX  XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX # XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I submitted a Loan modification. I have been going back and forth for months. They bank asked me for updated bank statements weeks ago which was sent on XX/XX/31. Today they advised that they want business bank statements. This is the first time they asked for business bank statements which I do not have and I told them this verbally. Now they are stating it is within 37 days of my sale date and they will not review my file. This is beyond unfair the way these servicing companies treat customers in default. They find ways around reviewing files with the 37 day rule. They request documents over and over again and once they have them they decide to add in an additional document that was never asked for in the past. If they needed business bank statements they could have asked months ago for it. Instead they waited until the file was finally complete and then they ask for the additional documents for the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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