vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I was approved for the Housing Assistance Fund on XX/XX/XXXX in the amount of {$740.00} for 18 months towards my mortgage. My mortgage was sold from XXXX XXXX to Flagstar also on XXXX I took all the necessary steps to have the HAF payments redirected to Flagstar and confirmed with Florida HAF they had updated the mortgage information. Since that time, Flagstar has not applied any funds to my loan. I have contacted them on multiple occasions, phone calls on XXXX XXXX XXXX XXXX and XX/XX/XXXX as well as chat contact on XXXX. In my initial phone call, the Flagstar representative told me they had received funds but not yet applied them. In my follow up chat on XXXX  the representative told me they had received two payments in the amounts of {$740.00} and {$940.00} on XXXX  I thought the situation had been handled at that point, but none of that was ever applied to my loan. In my follow up phone call on XX/XX/XXXX, the representative told me they could not account for the {$940.00} and only saw the {$740.00}, which again was never applied to my loan. I was told a trouble ticket would be created and they would investigate where those funds went. During my phone call on XX/XX/XXXX, I was told by a representative that because I had made the current payment, all HAF funds would be returned to the state. I thought that was incorrect and was able to speak to a supervisor who told me that was not the case. She explained that the funds come in a lump sum and it takes a while to have them dispersed, but she could not confirm for me that Flagstar had received any funds from Florida at all. I was told an escalated trouble ticket would be created for their HAF team at that time. I was never given any updated status or resolution. I called again today, XX/XX/XXXX and was again told an escalated trouble ticket would be sent to the HAF team. However, this representative told me that they had applied HAF funds dating back to XXXX. That is absolutely not the case and is not reflected anywhere on my statements or their online transaction history portal. 
I have been trying to resolve this issue since XXXX. On top of being financially strained, I am stressed and extremely frustrated at the complete lack of communication and varying answers I have received. This needs to be addressed immediately.

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 2023-02-02 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: Kikoff Inc.
State: OH

Complaint narrative:
I have a screen shot of my account before I closed it just recently showing I was not past due and yet on my report it says I'm past due and hasn't been updated since XXXX XXXX. I disputed 2 or 3 times and kickoff keeps telling them its up to date when it is not up to date and I also have proof. And I want it off my credit report now. Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are lots of accounts on my report I do not recognize

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are lots of accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: ERC
State: LA

Complaint narrative:
Account : XXXX XXXX # XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : ENHANCED RECOVERY CO L # XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( XXXX XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the XXXX-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: LA

Complaint narrative:
Account : XXXX XXXX # XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : XXXXXXXX XXXX XXXX XXXX  # XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( XXXX XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, 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 2023-02-02 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is due to drop off in XX/XX/2024. I called JPMCB CARD to request that they reach out to the credit bureaus and have the XXXX, XXXX, and XXXX delinquency removed sooner. They informed me that they had no way of doing that. They allow the creditors to determine when it's released. XXXX has not been very cooperative or helpful when the agency has been. Please assist me in getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi, I opened an account with Truist Bank, they did not mention I would need to go in a branch. 

After taking XXXX dollars in deposit, they now blacked out my account, so I can not log in. They said I need to go to a branch to unlock it. So I asked them to close it and mail me a check. They said ok. They did not close it. I called a week later and now they are saying they cant close it. 

I want my money returned and the account closed.

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 2023-02-02 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: FL

Complaint narrative:
There are XXXX credit cards on my credit report. These cards are being reported as charge offs and/or collections. This is affecting my ability to obtain a much needed loan. I have contacted the credit card companies and they claim to have verified the debt. I don't know how they could verify the debt when my social security number was used to obtain the cards but at an address that I have never lived at. My social security number is connected to to my current address which I have been at since XXXX. I have filed a policy report with the XXXX Sheriff 's Office Case # XXXX. XXXX XXXX XXXX XXXX was taken out on XX/XX/XXXX using the address XXXX XXXX XXXX, XXXX, XXXX XXXX, the balance is {$980.00} I have never lived in Georgia and Social Security and my tax returns prove that. XXXX XXXX XXXX XXXX was opened on XX/XX/XXXX the balance is XXXX. This card was opened under my maiden name of XXXX. I was married and changed my name in XXXX, again proven by my tax returns and social security number. The next account is XXXX XXXX taken out XX/XX/XXXX with a balance of {$980.00}. Again, this is not my account and I am not responsible for this bill. My identity was stolen, my social security number has been compromised and these banks are NOT verifying the person who is making the online applications.

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 2023-02-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc.
State: PA

Complaint narrative:
On XXXX XXXX XXXX an email from UNIFIN, phone number XXXX XXXX XXXX, to someone I know to collect a debt. The email gave my name and what the debt was from and the amount. Email had all my account information in it and also asking me how to pay debt. Email was never sent to my email address on file just my relative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: IN

Complaint narrative:
USBank presented me a cash back offer, which appealed to me. I applied for the card and received it late in XXXX. I did not use it until XXXX. At the time I received the card, or shortly after, in the very last week of XXXX, USBank asked me to name my preferred cash back options, and I did so. I stopped using my previous card and began using my new USBank card for the transactions that fit my options. When I received my statement, i saw that my cash back amount was less than promised. I made several calls and other contracts to USBank, all of which were deflected with no assistance. Finally, I received a call back from XXXX XXXX She gave me the flimsiest imaginable excuse. She said, because I chose my options in Quarter 4 of XXXX, they only counted for Quarter 4, and as of Quarter 1 of XXXX, I no longer had any chosen options. Seriously? I made a first-time selection before any purchases on a new card, and a few days later USBank pretends XXXX have not made any selections at all?. No doubt there is some fine print somewhere that renders this deception legal, but it is unfair and misleading. One wonders why a bank would make promotional offers, then drive customers away with petty tricks.

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 2023-02-02 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:
As a Consumer with rights to privacy, I have constantly asked Equifax to stop reporting items on my credit report without my written consent, or a correct method of validation being I DO NOT CONSENT TO THE E-OSCAR method of verification. I requested to see my original signature, with original ledgers, including debt validations which I never received I have also informed them numerous of times that they were in violation of my rights as a consumer to privacy under 15 USC 1681, 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section2 also states that a consumer reporting agency can not furnish any account without my written wet signature, they are also in violations of XXXX misleading, false reporting Invalidated/unauthorized inquiry Results of the Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 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:
I have a screen shot of my account before I closed it just recently showing I was not past due and yet on my report it says I'm past due and hasn't been updated since XXXX XXXX. I disputed 2 or 3 times and XXXX  keeps telling them its up to date when it is not up to date and I also have proof. And I want it off my credit report now. Please.

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