vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar Bank is my mortgage company. I closed on my home in XX/XX/2021. I got various quotes for homeowners insurance and chose the policy with the best rate. At some point, Flagstar paid three insurance payments, two identical payments of {$2100.00} each for a policy I don't have ( XXXX ) and XXXX for the correct policy of {$980.00} ( XXXX ). I received a new escrow analysis with an increase in escrow of {$260.00} per month. Naturally, I contacted Flagstar and discovered the error, however, at the time, I was told only one erroneous insurance payment was made, or that the second erroneous payment was reimbursed to Flagstar by the insurance company. I had to cancel the XXXX policy and request a refund of {$2100.00} so that I could forward the payment to Flagstar. I did so and was advised that a new escrow analysis would be made. I received it, but the amount is still wrong. My payment went from {$1600.00} to {$1600.00}, an increase of {$71.00} per month. Depending on who I speak with at Flagstar and after many calls, I get different answer as to what the increase is for. Some say it is due to the insurance issue, some say they require a " cushion. '' My homeowners insurance is the same, my property tax went up approximately {$60.00} for the year and so my payment should be {$1600.00} ( as was confirmed in one of my calls with XXXX ). My last call today with XXXX indicated my payment would go up in XXXX to {$1700.00} because of the " shortage. '' When I ask what the shortage is for, I am told due to the overpayment in insurance even though she acknowledged that I took care of it. Now I am advised there were three insurance payments. I ask which insurance and am told they do not know. I have gone round and round with Flagstar and can not get an appropriate response. Botton line, I believe my payment should be {$1600.00}. I have made every effort to resolve this issue based on facts. I am beginning to feel as if I am a victim of predatory lending. Ironically, the payment Flagstar is saying I owe would have likely not been approved when I got the loan in XX/XX/2021. Now they don't care. They have seemingly picked a number out of thin air and just expect me to pay it with no questions asked that I can't get a straight answer as to what the extra amount is for. Perhaps someone more knowledge than me can get a straight answer and get around the confusion and doubletalk. The escrow analysis also doesn't make any sense. Thank you.

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 2022-04-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian credit reporting agency is reporting inaccurate information regarding my account their reporting a credit limit of {$0.00} dollars with a balance of {$160.00} how is that even possible then is reporting my actual credit limit of XXXX as my highest balance.

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 2022-04-15 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: NJ

Complaint narrative:
N accordance with the fair credit reporting act, XXXX account # XXXX/ XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing 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 explanation
Consumer complaint received 2022-04-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-04-15 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: IL

Complaint narrative:
I've just received my credit report and noticed unauthorized items that shouldnt be report to my credit profile. These have been rought times during the pandemic and its not fair the way my information was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
In XX/XX/2021 i asked my lease company for a deferment they granted it said once I pay them {$360.00} the two payments i couldnt make would go to the end of the lease. On XX/XX/2021 i made the {$360.00} payment over the phone with a representative to start the deferment & Ive been up to date since even pay extra sometimes. I get a default letter in the mail I call XXXX XXXX XXXX they state i never made the {$360.00} payment I then brought up the bank statement told exact date & payment she then found it & stated the representative accidentally made the payment towards a month payment instead of the deferment so when i made my next monthly payment it went to the deferment & not my monthly payment causing me to be behind & report to my credit that i wasnt making on time payments they apologized & assured me they would fix the payments & take the negative credit report away now as Im typing this this is my second time on hold today for over an hour. They wont take my calls or call me back to fix the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: V and H Portfolio
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 

Account : VANCE & HUFFMAN LLC - Acct number : XXXX XXXX XXXX 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

I submitted a complaint with the BBB and the Attorney Generals Office. This Collection Agency and Credit Bureas are volating my rights and costing me dearly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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: AR

Complaint narrative:
Transunion is reporting a XXXX XXXX account that is not mine. I called XXXX XXXX and they can not bring up any account matching the one at Transunion under my SSN. XXXX XXXX says that Transunion has to remove it - Transunion does nothing despite my requesting twice to remove it in XXXX and in XX/XX/XXXX. Account showing on XXXX ends XXXX, opened XXXX and closed 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 non-monetary relief
Consumer complaint received 2022-04-15 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: WI

Complaint narrative:
I filed a dispute with Experian for a fraudulent account with XXXX XXXX with account number XXXX. The account was investigated and removed. After a few months now, the account has been re-inserted onto my credit report again fraudulently without the proper 5-day notice which carries a {$1000.00} fine per violation. I attempted to call the Experian fraud department and the guy on the phone kept deflecting the fact that Experian was breaking the law with the re-insertion. HE kept trying to get me to refile the dispute under fraud. There is no need to investigate further with a company that i don't owe and also had been removed prior and the credit bureau has blatantly violated the FCRA and seemingly doesn't care that they do it.

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 2022-04-15 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. Was also XXXX XXXX, never has been XXXX or XXXX XXXX, I have never lived in XXXX XXXX XXXX XXXX XXXX MD XXXX i already report this many times, not sure what else it is under this persons name in my credit and no Idea Why it is in my credit, does she has my social? I beed this out of my credit report, this is like my 5th email and also sent two letters to remove that persons name out of my credit! 
And also XXXX is not my employer, it is XXXX XXXX for the last almost XXXX years

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 2022-04-15 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 these accounts listed below have violated my rights. 

Account name : XXXX of XXXX account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : 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 non-monetary relief
Consumer complaint received 2022-04-15 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: IL

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 XXXX 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im 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
Consumer complaint received 2022-04-15 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: IL

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 XXXX 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 XXXXThis 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 XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: A-L FINANCIAL CORP
State: AZ

Complaint narrative:
I bought a car on XXXX later the same year i went to prison, when i got out everything was gone. T his company send me a letter with a warrant from the superior court sue in me about that loan for the car. I was reading the STATUE OF LIMITATIONS FROM AZ FOR DEBT IS XXXX YEARS. Is too old. I never gave contact from that company before A-L FINANCIAL CORP.  I did a report a police report on XXXX i went today but i was close. I talk to XXXX the person and she told me with the police report i was good for them and fax them. Now i have to wait to the appointment arrive to quash the warrant and explain to the judge. I losing time and work days because of this situation. i really need my job to take care my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclaycard has refused to resolve nearly {$3000.00} in fraudulent charges on my accounts, from XXXX and XX/XX/2022. These fraudulent charges are the result of Barclays mailing me a package of convenience checks which I did not request. These checks were subsequently stolen from my mailbox as part of an ongoing mail theft issue my neighborhood in XXXX XXXX faces. The perpetrator of the mail theft then wrote the checks to himself, to a name that is clearly not associated with me or my account in any way. 

I have spent nearly twenty hours on the phone with the fraud and investigations team at Barclaycard since XXXX when this charge originally occurred. I have made it repeatedly clear that this was fraud, and yet they have concluded that these were " valid transactions, '' leaving me liable to pay my credit card bill or face impacting my credit rating. The reporting and phone assistance process was the most infuriating and painful twenty hours of my life, fraught with hours of hold time, countless representatives who had no idea what they were talking about, reading scripts, and passing me around departments who also could not fix my issue. Ultimately, I am at a total loss, and apparently left with no choice but to pay the credit card bill that consists entirely of the fraudulent charges ( including both the original " convenience checks '' as well as the " balance transfer fees '' and " interest '' charges associated with them ).

Buyer beware - Barclaycard will NOT protect your accounts from fraudulent activity. In fact, they encourage it, by sending " convenience checks '' without any request, which can then be used by anyone to write fake checks to themselves.

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 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
I signed up for a membership online, when they couldnt get my online information to work for Payment, they called multiple times a day, threatening to quit payment threatening to cancel my membership and now sending me attorneys at law letters. The Way they do business is unacceptable. I couldve just gone in and paid for the membership if they wouldve called nicely, but the harassment was out of control, and I never even used the membership because of them not receiving payment. I thought because they couldnt get the automatic payment to work that they were not activating membership. However Im being charged over {$300.00} for membership that was never used I believe it was never even activated, so it was never even used. I thought it was invalid because the payment never went through. All while they have been charging me fees and a monthly rate. They are crooks!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Upstart Holdings, Inc.
State: IL

Complaint narrative:
I have contacted these companies numerous times and the credit bureau XXXX and provide reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Global Lending Services LLC
State: IL

Complaint narrative:
I have contacted these companies numerous times and the credit bureau XXXX and provide reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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