vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 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 non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, as part of a mortgage refinancing condition from AmeriSave Mortgage Corp., I received a grossly negligent appraisal on my intown XXXX house from XXXX XXXX XXXX in Georgia. The XXXX sq. ft. home was sorely undervalued at {$390000.00}, and the appraisal was filled with inaccuracies and omissions. The appraisal omitted or disregard the attached two-story XXXX sq. ft. deck, the attached carport, the XXXX storage room, and several appliances. The appraisal also falsely asserted that the house was not in an appreciating neighborhood, when values in the area has been and still are increasing, and it did not upwardly adjusted the value of the comparables accordingly. 

I immediately appealed to both the lender AmeriSave and the appraiser XXXX. The lender said that I can only use their assigned third-party company XXXX for any appraisals or reconsiderations. On XX/XX/XXXX and XX/XX/XXXX, I filed an appeal for reconsideration and a supplemental appeal, detailing every negligence or error made by the appraiser. The appraiser responded on XX/XX/XXXX with a denial of my appeal, and not changing the appraisal at all, keeping the appraised value at {$390000.00} meanwhile, not addressing any of the several points of error that I brought up in my reconsideration request. 

In the meanwhile, I sought a second appraisal opinion from an independent, highly reputable appraiser, XXXX XXXX. XXXX XXXX  appraisal was more detailed and carefully prepared. The appraisal, dated using the same facts of XX/XX/XXXX, was {$430000.00} an almost 9 % difference in valuation. I also provided XXXX XXXX with the original appraisal from XXXX as well as my reconsideration request and the companys response. He noted the various errors made by the previous appraiser XXXX. 

Unfortunately, this negligent, erroneous appraisal by XXXX, the company that AmeriSave insisted that I use for appraisal, was {$5000.00} less than the minimum {$400000.00} required to receive the rate-locked refinance loan at 3.125 %, and as rates had just begun to skyrocket, I was forced to accept the loan at 4.275 % which although lower than todays current rates, is quite a significant difference in monthly and longterm payments. In addition, I as the homeowner suffered other major financial and market losses due to the unfair and negligently prepared appraisal of the home.

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 2023-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Original creditor XXXX XXXX XXXX XXXX also known as Monterey Collection SV has opened a collection on my credit report for XX/XX/2020 with the amount of {$5.00}. I did my research on the company and it's on online program to further your education. I have not signed up to attend school ( during a pandemic ) to further my education. The education I have are through a university and are included in my student loans. I have sent out letters to this company on several occasions with no response and no information on where it shows I signed up for this service. This has been a hassle to get off and I have filed Identity theft with ftc as well. I really need this off of my credit as I am trying to buy a new home for myself and my kids.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I Did an home improvement loan thru Well Fargo with a no interest for 18 month. Since that time i became unemployed and disabled.I ask for an extension with no reply. Then at the end of 18 months i was hit with a XXXX interest charge on the full amount of the loan and not the balance. So instead of a {$2000.00} balance I was hit with XXXX balance. Now they are informing me since the loan was not paid in full this became their policy. Thru researching I found this is a common tactic of Well Fargo. 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 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NC

Complaint narrative:
Hello i wanted to get the following inquiries deleted for i did not authorize these companies to run my credit which is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I found an account on my credit report that is not mine

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on TransUnion Report XX/XX/2023 and I noticed that this Inquiries had been made

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - I signed up for a TD Bank account online as a XXXX  resident. 

XX/XX/XXXX - I add XXXX account as an external transfer source and verified the trial deposit amounts from TD Bank successfully. 

XX/XX/XXXX - I try to make an external transfer to the XXXX account Item # : XXXX  ( redacted ) Amount : {$2500.00} From : TD Bank To : XXXX XXXX XX/XX/XXXX - I call TD Bank to ask why the transfer has not yet gone through ; they inform me that they require me to go into the physical location with proof of ownership of the other account. When I asked why the verification on XX/XX/XXXX was not enough, they were not able to provide a reason. I have moved out of state to XXXX, so I asked if I could go into the TD XXXX instead because there are no local branches. They replied that I needed to go in-person. Therefore, I have no way of getting money out of my TD account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I called and spoke to an agent to close my XXXX credit card with Comenity Bank on XX/XX/2023 and paid off the balance in full. On XX/XX/2023 I received a bill for {$2.00} showing it as a minimum fee charged. 

The same thing happened when I called in and spoke to an Agent and paid off the balance and closed my Victorias Secret card on XX/XX/2023. 

While the fees were removed after I called to complain, its pretty clear this is a regular practice for Comenity bank. I am reporting it because this is clearly a UDAAP issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I asked for account to be updated and report accurately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
On XX/XX/2023, I responded to an online ad to get a personal loan from Net Credit in Arizona. After I correctly typed in all my private information including fist and last name only and my email address. Net Credit should a credit score from XXXX of XXXX under my fist and last name only. 

I was pre-approved for {$1800.00} and was told I needed to input my banking information, list how much money I put into the account on what day of the month, list how many times I was paid, select how much of the pre-approved funding I wanted cash advanced and sign the online documents for the deposit to be placed into my account. 

On XX/XX/2023, after I completed this process entirely, the CSR submitted for final approval and within seconds, I was denied any funding for the reason " Unable to verify identity from XXXX ''. 

My XXXX credit score was improperly accesses by this company. I believe this company has created some form of consumer criminal act to build up accounts information and private information leaving consumer information vulnerable to be affect by a security breech.

I asked Net Credit CSR how they got my credit score after I've witnessed it printed on the signed contract agreement, I printed out the agreement prior to final approval for what I thought would be a deposit. Net Credit CSR choose not to answer.

Net Credit representatives repeatedly told me, funding would be deposited into my account once I shared that information and if I did not, I'd have 90 days to accept the loan.

After the denial of the loan, I asked Net Credit CSR why and how, they just stated it will be now difficult to receive a personal loan from them since there are conflicting credit reports and frauds listed on my credit report. I requested Net Credit to remove and delete my private information they refused. I am now forced to close my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I first checked my credit report, only to see All accounts that did not belong to me and personal information was incorrect too. I also contacted each creditor on my credit report to advised them that I am a victim of Identity theft and I requested that the inaccurate account be removed or deleted from my credit report.

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 2023-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Lennar Financial Services, LLC
State: MN

Complaint narrative:
Hi, I worked with a mortgage officer at Lennar after speaking with one of their sales person. 

After we toured a few homes, he ran my credit for a FHA loan for a total {$370000.00} at a 4.99 % ( promotional rate ). 

Once we were pre approved and preparing our purchase agreement, the sales person then said that we can not get the XXXX price and the 4.99 % rate. 

They then explained that I would have to pay XXXX to buy down the rate to 4.99 % or pay the market rate at the then initial agreed upon price of XXXX. 

I have a pre-approval email from Lennar for XXXX at the 4.99 % rate that they refused to offer. Once I explained to them that this is upsetting and completed by acceptable, their mortgage officer was also extremely rude to me and questioned my gender and said that I need to be a man. Not sure what my gender had to do with the application. This was very condescending and discriminatory. 

The XXXX price was never talked about during our initial pre-approval. Even if the XXXX price was talked about it doesnt make sense why they would run the loan at XXXX with 5 % down. The math wouldnt have added up. I feel as if this is a classic bait and switch scam. I would have never applied for the loan at XXXX. 

Lennar dinged my credit simply to waste my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

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 2023-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
ON XX/XX/XXXX I ENTERED INTO A CONTRACT ACCORDING TO THEY PAPERWORK MY ISSUE IS ONCE I GAVE THE CARE BACK IN XXXX THE CAR WAS SOLD, I RECIEVED NO INFORMATION ON THE SALE! ONE I LOOKED AT MY CREDIT REPORT I SEEN XXXX DOLLARS THAT INACCURATE! BEEN CALL THEM FOR SIX WEEKS TWO AND THREE TIMES A DAY WITH NO REPLY THIS NEED TO BE FIXED OR DELETED FROM MY REPORTS

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many.

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have sent certified letter in XXXX and one in XXXX advising unauthorized and/or fraudulent inquiries. They refuse to respond or remove these inquiries that are creating negative results from there being so many. they have bypassed their allotted timeframe and requested identification which i supplied that it was me disputing

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 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received info stating that these accounts were verified please send verification of the steps yiu took to verify this information according to15 U.S. Code 1681i - Procedure in case of disputed accuracy 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.15 U.S. Code 1681i - Procedure in case of disputed accuracy for the following accounts XXXX XXXX XXXX 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 non-monetary relief