vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, XXXX  Account # XXXX and XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, XXXX  Account # 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 furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I was approved for the Homeowners Assistance Program on XX/XX/2022. When my XX/XX/XXXX payment became due with Freedom Mortgage I waited to see if the HAF funds would hit. On XX/XX/XXXX I finally scheduled a same day payment so that I would not be reported to the credit bureau. I have never been 30 days past due on this mortgage. When I scheduled my payment I noticed two payments had already been applied on XX/XX/XXXX covering XXXX and XXXX payments and it now showed I was not due until XX/XX/XXXX. I called Freedom Mortgage and she confirmed HAF funds were sent on XX/XX/XXXX and applied to my account on XX/XX/XXXX. I was advised it was ok to reverse my own payment that now appeared as a principal only payment since the HAF funds came through. So I did reverse my payment on XX/XX/XXXX. It updated with the principal payment being removed and I still showed due XX/XX/XXXX. A few days later I get a call that my XXXX payment is due. I look and see Freedom Mortgage reversed ALL payments made. I called and they said they reversed those HAF payments until they get further instructions from their loss mitigation department. This has now caused me to be reported late on the credit bureau and ruined my credit. They are also still holding all the HAF funds and have not applied them to my account in the amount of {$4800.00}. The awards letter is clear that this amount goes towards any past due and if I am not past due, apply to principal. My main concern is being reported to the credit bureau. I never would of reversed my own payment that I made in time to be covered from negative credit reporting had I known they would go back and reverse payments they made days earlier. I did submit a credit bureau dispute with freedom mortgage which there are no guarantees it will be approved. Ive also called numerous times about the extra money sitting in my account but not applied and am told there is nothing anyone can do. We have to wait. These funds are to help homeowners avoid being late. The last thing we should be doing is holding the payments.

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 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXXXXXX XXXX Account : XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had set up autopay at the beginning of XXXX and normally receive emails for what's due every month for my credit card. I've never been late on payments before so I was surprised to see interest charges and late fees on XX/XX/XXXX. Apparently, my autopay failed to setup correctly ( unknown to me ) and I got no emails from Bank of America for my credit card balance because of a partial credit and a refund. When I called on XX/XX/XXXX, I was told this was all my fault that autopay didn't work or that I didn't receive any emails which I normally do, including getting one for XXXX. Bank of America 's online payment setup is cumbersome and poorly designed on purpose for these sorts of issues, and the lack of proper messages for autopay and payments seems to be on purpose so that they can collect interest and fees and then claim " it's not in the system, so it's not bank of america 's fault ''. 

FYI, this is only part of the system issues. BoA 's credit card payment does not show how much is left of the previous monthly statement to pay off for full amounts, and the account site often erases payment information. Even after diligently dealing with all of this over 9 years, it is the failed autopay and lack of messaging that caused me to miss a full payment on time.

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 2022-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: IL

Complaint narrative:
Please reference CFPB complaint IDs XXXX ( XXXX  ) and XXXX ( XXXX  ) as this is a follow up to the same issue. 

From previous complaint : On XX/XX/XXXX, I scheduled a phone appointment with XXXX XXXX XXXX of XXXX XXXX  XXXX XXXX. I talked to him at XXXX at the scheduled time and informed him of my symptoms. He told me he was unable to assist until I performed a XXXX XXXX and XXXX XXXX and that he would send the referral. I waited for the referral but nothing was sent over. Due to the urgency of the situation, I visited another doctor who handled the situation more promptly which led to the resolution of the medical issue. Later when I received the medical bill from XXXX, I called them to dispute the amount and file a complaint as I did not receive any medical care. I did so multiple times and XXXX consistently never responded. Finally in the latest communication, I spoke to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and described to her the issue. She told me she understood my concern and would investigate further internally before providing me with a response. I ultimately received no response from XXXX XXXX in writing or a phone call. Finally I received this collection notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

The previous complaint was closed with XXXX closing the file and XXXX XXXX still not responding. 

Recently, I received another debt collection notice from Frost-Arnett Company dated XX/XX/XXXX for the same amount. I still have not received anything from XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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:
I have tried to have these fraudulent accounts removed in XXXX of 2022 and now there's more accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
We started the refinance application in XXXX of XXXX, and it took us until the end XXXX to almost finish it. In late XXXX XXXX we had finally finished all the paperwork and were told we were all set and not to pay our mortgage for the month of XXXX ( we have the emails ). We had the notary on her way to our house when she called and said XXXX ( XXXX ) had not sent over any files. I called my loan agent and sent multiple emails and never got a response until XXXX of XXXX. Since we were told not to make a payment that month we used that money to pay other bills, and for the next several months we were a month behind on our mortgage payments. Along with us budgeting with a lower monthly mortgage payment. The way this was handled along with with no response for months along with all the extra fees {$40.00} a month along with raising our mortgage almost {$200.00} a month because we were late due to their actions was unacceptable. When I spoke with the company they said I should of not listen to the agents and paid the months mortgage

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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:
I have tried to have these fraudulent accounts removed in XXXX of 2022 and now there's more accounts and inquiries.

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 2022-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Tesla, Inc.
State: TX

Complaint narrative:
I purchase a Tesla XXXX XXXX in XXXX of XXXX  from Tesla Motors, and due to the pandemic I never received my title paperwork. I've asked for it previously, but have never received it. This has left me unable to register the vehicle, and now my auto loan rate has reset because of this issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Good afternoon, Due to the new Medical Debt Relief Act of XXXX, I have been trying to get some medical debt removed since XX/XX/XXXX on the XXXX XXXX website under the Transunion credit and it says they are working on it but it's been four months and the dispute options are locked up where I can't follow up. 

When I went directly to the Transunion website, they are trying to charge me XXXX dollars a month in order to sign up to directly deal with them. 

I just went directly to XXXX and had to submit the disputes there so I will wait to see what happens. 

There are laws in place to protect many people like myself who are responsible, law abiding citizens that have had bad luck with health issues no matter how hard we try to take care of our health. 

PS, I have a 94 % payment history for all of my other payments! 

Can you please remove the medical debt from my credit report please? 

Thank you, 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
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hollins & McVay, P.A.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX collection attorneys where I live levied my bank accounts, froze them the problem Im having is that the same attorneys Garnished my husbands wages on or about XX/XX/XXXX the judgment was satisfied on XX/XX/XXXX the same attorney I fired in a family law case has jumped into the collection business freezing or XXXX XXXX accounts XX/XX/XXXX. The very same medical facility that my husband just paid summoned me on XX/XX/XXXX XX/XX/XXXX I was XXXX for a due this company requesting again and again and being granted non wage garnishments of bank accounts the court documents state service for this non wage garnishment wage garnishment XX/XX/XXXX sent to a process server and returned to themXXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX where I remained until XX/XX/XXXX. This medical debt for {$1500.00} levy on our accounts for services I couldnt possibly be served for sending them to my address where my husband and I shared for 20 years now. He didnt understand it as he was already garnished, he tried to tell this company that I wasnt there and hadnt been, not once could they have sent a process server to garnish wages and banks sending them to my house. XX/XX/XXXX I was in a XXXX XXXX XXXX XXXX in XXXX Kansas far from my home in XXXX and being XXXX  the following month. The last job I worked ended XX/XX/XXXX I have XXXX XXXX XXXX XXXX XXXX XXXXXXXX making that very difficult to do my husbands income is all we have to try and pay the bills, mortgage and food for our XXXX XXXX XXXX son. Back taxes are now owed on our home, the state has already offset XXXX of our federal income tax return, we have applied for KHAF loans to pay our mortgage, insurance and now a bounced ach to utilities water and electric. {$450.00} on our water bill was paid by community action while we waite for KHAF funding.our water is going to be shut off again this week while my husbands paychecks smaller and smaller with hour cuts at his job. and Kansas is holding income tax offset we absolutely do not owe in fact 3 years we had a refund coming.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I recently submitted a complaint with this company about a debt I knew nothing of. After I received the information I requested. The amount of debt owed is incorrect. I have proof of this. 


The letter attached was turned in to their front office XX/XX/2021. The keys were turned in the night of XXXX, XX/XX/2021 to the after hours drop box ( same location keys were dropped off ). I called out from work by emailing the callout line that same day. 

XX/XX/2021 maintenance man came to my door with my Intent to vacate letter that was submitted to the office. He was addressing the leaking water pipe that no one had came to fix after I submitted a formal maintenance request which is also mentioned in that letter. 

I have submitted a dispute on my credit report as well due to this situation. Please contact me at ( XXXX ) XXXX to get this amount corrected and I will pay the CORRECT amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
I signed up for a Santander Checking account this year that contained a promotional code to get a {$500.00} Bonus. I met all the requirements, and had not received the bonus so I made a few calls to their customer service to inquire about it. On the first call ( made XX/XX/XXXX ) Santander opened an inquiry for me ( # XXXX ), and on the second call ( made XX/XX/XXXX ) I was told I did not receive it because I had an account with them in the last 12 months, which is incorrect. I closed my prior account on XX/XX/XXXX which is over 14 months prior. I inquired what date they had my closing date for my previous account and the customer service rep said there was nothing she could do, refused to inquire further and hung up on me. After reading the fine print, it's clear I've met all the requirements as far as opening the correct account type and applying the promo code, having at least a {$25.00} direct deposit, meeting the date requirements, not having an account open with Santander in the prior 12 months, and having {$8000.00} of employer direct deposits within the first 90 days. I'd simply like Santander to uphold their word on paying out their bonus.

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 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

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

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-08-14 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: NY

Complaint narrative:
I have been contacting Equifax since XX/XX/2022 to have fraudulent inquiries removed, I have provided them with numerous sets of documents via both postal mail and fax on several occasions, including Drivers License, SSN Card, FTC Report and Police Report, they have continually assured me that the below list of inquiries will be removed, I recently received a letter from Equifax confirming the inquiries have been deleted from my report ( attached ) and upon checking they remain on my report. This is false information that is on my report, its fraudulent has been proven to be fraudulent and Equifax are not reporting correctly, the letter they provided confirming they have removed the information is a LIE and should be investigated by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: MOHELA
State: MA

Complaint narrative:
My loans formerly serviced by direct loans have been transferred to Moela and not only do they stall and refuse to process my application for PSLF, TEPSLF ( loan forgiveness ) but did many years my three years of services in XXXX XXXX back in 2009 onward was not processed as qualifying payments and tge servicer is trying to beat me from qualifying from TEPSLF when I was inform gym. One their reps on the phone ( which I may be able to obtain transcript of conversation ) that when moela acquired my loan from direct loans the did not receive sufficient or accurate paperwork from prior servicer which that servicer has a lengthy history of being disgraced by other consumers and plagued with legal issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation