vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
At the end of XX/XX/2023, I randomly called Flagstar looking to refinance or cash out against the equity of the home. Being that my wife was terminated from her employer due to XXXX, and we exhausted our savings. 
I received an invoice from the city of XXXX XXXX in the postal mail as the city of XXXX XXXX was looking for payment on taxes I called Flagstar inquiring why I received the above-referenced invoice and they verbally admitted to not applying the payment in XXXX to the principal rather than applying it towards the interest only. 
According to the verbal conversation with Flagstar they admitted that they did not communicate in any fashion with me Because my property taxes were reassessed, and as I understand in the state of CA taxes are reassessed on a sale or a move. Being that I did neither, I did not understand why this was done. 
By default, the extra money that was not paid toward the monthly mortgage payment to Flagstar, put me behind with XXXX ( HELOC ) This was the start of the spiral downhill. 
Then in XX/XX/2023, when XXXX refused to speak with me. We were late by one month. 
XXXX verbally demanded to make 3 months ' payment upfront before they would entertain to speak with me. 
I attempted to make the payment on a Saturday and they refused to take our payment. They said, " We are billing for XXXX, and are closed on the weekend ''. The payment was made on the following Monday, pushing my payment to be 2 months late, not giving a grace period.

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 2024-02-07 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, Chase closed and/or suspended all of our accounts. We were not notified of this until XX/XX/XXXX. By that time, several checks had bounced. Automatic withdrawals ( XXXX health insurance policies ) were not made. Monthly Social Security deposits were denied and will not be reinstated until XX/XX/XXXX ( according to SSA and AFTER we opened a new account at another bank ). Without the deposit of Social Security benefits, we had to pay XXXX out of pocket. Because of the NSF check to our water department, we can no longer pay them by check or automatic withdrawal- they will take cash only for ONE full year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
My clientMorris Shanfield directed me with a XXXX XXXX XXXX of Attorney to pay his rent with a {$3000.00} check written on XXXX XXXX Old National Bank checking account. 

To accomplish my clients request, I set up a separate account with Old National Bank in my own name. In to that account, I deposited XXXX XXXX {$3000.00} check. 

Instead of honoring that check, Old National Bank cancelled my account without explanation. I preempted my deposit by explaining my plan to XXXX XXXX XXXX & asked that she forward that introduction to her colleague. 

I request that Old National Bank reopen my checking account & honor my clients {$3000.00} check as my deposit so that I may secure the requisite cashier check to pay XXXX XXXX rent.

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 2024-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
A debut was opened in my name in a different state. When I no longer live there. It was open when I moved to a different state. I was not aware of the loan being taken out in my name and don't know anything about it. But keep getting calls every 30 days about it. And I've told them that it is not mine. That when it was opened, I did not some lived in that state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Multiple concerns and violations of consumer rights : -never investigated my dispute ( now proven that original amount being reported was inaccurate ) -never provided itemized explanation of debt from original creditor - used abusive language over the phone - threatened to ruin my credit over phone - contacted after cease and desist

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The amount being reported by Applied Bank is incorrect. This account has been paid in full. 
The amount of {$130.00} was paid to XXXX XXXX XXXX Spoke with manager XXXX XXXX and he assured me this would be resolved but it has not as of todays date. 

Original Creditor : Applied Bank Account Number : XXXX Previous Balance : {$130.00} Current Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
I have contact transunion credit bureau and also did it online and they have not removed the inquiries that they have posted without my consent and when they are not mine and they hurting my chances for me to get a home because they reporting inquiries that are not mine. I need all this inquiries to be verified and removed inmidiatly of my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AVANTE
State: FL

Complaint narrative:
USC 1692 c ( a ) : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company sent me a letter in the mail indicating that I owe a debt that I do not owe and threatened to file a judgment for this debt. 

They have been sent a letter in the mail for copyright infringement for the XXXX XXXX XXXX Estate and a Cease and desist along with a Durable power of attorney, and opt out letter. 


Please consider this matter with the utmost seriousness and urgency. Failure to promptly address and rectify this situation will compel me to take further legal actions to protect my rights and financial integrity. I expect a written confirmation from AvanteUSA acknowledging the receipt of forthcoming the letter, and confirming the removal of XXXX XXXX XXXX from their records, Opting-Out of the use of the Private Property of the Estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your company.

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 2024-02-06 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: MO

Complaint narrative:
Stop lying experian because your NOT WORKING ON ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-06 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: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm disputing some accounts due to identity theft ; they weren't opened by me, and I've never benefited from them. You must remove these fraudulent accounts promptly to comply with the law, or I'll have no choice but to take legal action against 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 non-monetary relief
Consumer complaint received 2024-02-06 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 checked my credit as i'm wanting to buy a new car later this year and i saw some fraudulent accounts, inquires and addresses on my consumer reports. There is an account with Named santander with a balance of {$24000.00} on my consumer report that isnt mine. I've never has an account this this company or done business with them. There is a fraudulent account with XXXX XXXX Manage with a balance of {$5600.00} with orginal creditor XXXX. I HAVE NEVER HAD AN ACCOUNT WITH XXXX, i have XXXX XXXX. There is a fraudulent loan with the name of XXXX XXXX  for {$990.00}, I have never done business with this company. There are XXXX fraudulent student loans with US DEPARTMENT OF ED for {$3100.00} and {$3100.00}, but i have never attended a college before. The following fraudulent inquires on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses do not belong to me XXXX XXXX XXXX XXXX and 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
Consumer complaint received 2024-02-06 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: OH

Complaint narrative:
I checked my credit as i'm wanting to buy a new car later this year and i saw some fraudulent accounts, inquires and addresses on my consumer reports. There is an account with Named santander with a balance of {$24000.00} on my consumer report that isnt mine. I've never has an account this this company or done business with them. There is a fraudulent account with XXXX XXXX Manage with a balance of {$5600.00} with orginal creditor XXXX. I HAVE NEVER HAD AN ACCOUNT WITH XXXX, i have XXXX XXXX. There is a fraudulent loan with the name of SUNRISE LA for {$990.00}, I have never done business with this company. There are XXXX fraudulent student loans with XXXX DEPARTMENT XXXX XXXX for {$3100.00} and {$3100.00}, but i have never attended a college before. The following fraudulent inquires on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses do not belong to me XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am being taken advantage of as a consumer by Transunion. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.

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 2024-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: PA

Complaint narrative:
XXXX closed my business account XX/XX/XXXX. They informed me through email and stated they were holding my business account funds in the amount XXXX for disputed items. My issue is once they terminated my business account they then disabled communication with me. I was no longer able to chat online or call or email which is unprofessional when they are still holding my business funds. I called from another phone line and reached someone and made them aware that the disputes on my account are coming back in my favor. Once I informed them of this they disabled my ability to see the disputes and the resolution dates. My last dispute resolved XX/XX/XXXX in my business favor. So they did not have to deduct from my funds for any fees or chargeback etc. No where in their policy states they will hold your business funds for 6 months. They are withholding my business funds for an additional XXXX months which they will accrue interest on it and it's not good business practice. I also can not change the bank account information on my portal and can not get anyone to assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is doing me a major disservice by reporting inquiries when I never gave authorization to them to share my information. These errors are affecting my ability to get business funding and these errors in reporting are not my fault, yet I am the one suffering from the consequences

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 2024-02-07 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: DE

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your 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 2024-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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.

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