vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX US Dept of EDU # XXXX US Dept of EDU # XXXX US Dept of EDU # XXXX US Dept of EDU # XXXX US Dept of EDU has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX US Dept of EDU # XXXX US Dept of EDU # XXXX XXXX Dept of EDU # XXXX US Dept of EDU # XXXX US Dept of EDU has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: NC

Complaint narrative:
As a human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681.They violated my rights and I demand the account XXXX XXXX be removed According to 15 USC 1681 I have the right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
XXXX XXXX was forced to make a payment. She was misled, bullied, intimidated and threatened to make a payment of XXXX in XXXX 2022. Carrington Mortgage told XXXX XXXX that she would be put out of her home if she did not make the payment. XXXX XXXX was terrified if she did not make the payment. Each time she spoke with Carrington Mortgage, she told them she was working with XXXX to get help with her mortgage. Carrington mortgage knew XXXX XXXX had to be behind to qualify for assistance through this program. That is why they bullied her into and forced her to make a decision that would greatly benefit Carrington Mortgage and have a financially adverse impact on XXXX XXXX. Carrington Mortgage is and was purposely withholding vitaI contact and communication from XXXX to clear your authorization. They will not acknowledge pertinent information that will benefit the borrower including information from you. Once again, XXXX XXXX was forced to complete the paperwork, she was told she would be put out of her home. Please help. XXXX XXXX would greatly benefit from the XXXX towards her mortgage and the low interest rate she had. Under the loan modification, XXXX XXXX payment has increased almost XXXX and her interest has nearly doubled, and additional XXXX years. XXXX XXXX has been in her home for almost XXXX years. She would have had XXXX more years to pay off her mortgage. She has been paying her mortgage for almost XXXX years. With the new refinance agreement Now she has to pay for an additional XXXX years with double the interest rate, which is a XXXX year total mortgage. They have tricked her into a XXXX year mortgage. This is blatant, textbook predatory lending practices. Carrington Mortgage conducted this process fraudulently. Carrington knew XXXX XXXX was harmed during the Covid 19 pandemic, they also know the new terms are financially detrimental to XXXX XXXX. It appears as if XXXX is working in concert with the mortgage lenders to take XXXX XXXX home. XXXX XXXX is no longer working.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: FL

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2022-11-22 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a savings account at Citibank after receiving an offer. I have made 4 deposits via electronic transfer. Citibank flagged one as fraud from XX/XX/22. Citibank did not contact me via letter, phone or e-mail. I found out that a block had been put on my account, and Citibank refuses any request for the funds or even offering a solution. I have sent correspondence as well as have told over 15 representatives that there has been no fraud. I sent my bank account statement showing the movement to the Citibank account. Citibank has informed me that I may receive a letter and then it might take 30 to 60 days for the account to be closed and for me to receive the proceeds. I shpuld be able to access my funds now. Please 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 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Security National Financial Corp
State: GA

Complaint narrative:
On XXXX XXXX, 2022 I closed on my home, and paid off my mortgage on XXXX XXXX, 2022 in full for the amount of {$300000.00}. 
I received an email confirmation that my loan was paid in full on XX/XX/2022 from the mortgage company, Security National Mortgage Company. 
According to Georgias Recording Office of XXXX XXXX, the Reconveyance ( Release of Lien Document ) was sent back to Security National Mortgage Company on or around the week of XX/XX/ 2022. 
I contacted the mortgage company on numerous occasions, and on my last conversation with XXXX XXXX which took place on XX/XX/ 2022, she stated to me that They can not find the Reconveyance letter that was sent by the Countys Georgia Recording Office and asked What is it that you want me to do. She stated this multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I got a personal loan in the amount of {$27000.00} from Discover Bank on XX/XX/2022 to refinance an existing loan with XXXX. Discover Bank disbursed the payoff amount of {$26000.00} in form a check that was mailed to XXXX XXXX via XXXX on XX/XX/2022. I received {$20.00} as direct deposit to my checking account. 

When I called XXXX on XX/XX/2022 to inquire about the payoff, the phone representative told me that it takes up to XXXX business days to receive a mailed payment and to check back with them next week. When I called Discover Bank the same day, they told me that the payment had been mailed but the check had not been cashed yet and advised me to wait the XXXX business days before inquiring again. 

When I called XXXX on XX/XX/2022, I was told that no check had been received, but it would take another XXXX business days from receipt of the check to posting to the account due to the processing system they have in place. So check back with them in XXXX  days. I called Discover Bank the same day to find out what had happened to the check for the payoff of my loan and they told me that the check had in fact been cashed on XX/XX/2022. They told me to get the fax number for XXXX XXXX so that they can send proof of payment. I called back XXXX XXXX, told them the check had been cashed according to Discover, but the rep insisted that nothing had been received yet and gave me the fax number to sent the proof of payment. I called Discover again, gave the the fax number and they sent the proof of payment to XXXX XXXX on XX/XX/2022. I was also told again to wait another XXXX business days to let the process be completed by XXXX XXXX. 

When I called XXXX XXXX and Discover Bank on XX/XX/XXXX, neither XXXX of them was able to give me an update on the missing check/payment. XXXX XXXX insisted that they had received nothing and Discover Bank insisted that the check had been cashed. When I asked Discover Bank to start the retrieval process they told me to wait another XXXX  days. 


When I called on XX/XX/XXXX XXXX XXXX still claimed that they had not received the payment or even proof of payment. Discover Bank finally agreed to start the retrieval process, but told me that they might not be able to get the payment back and that I would be responsible for the now missing {$26000.00} although the money was never sent to me, but XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: AL

Complaint narrative:
I disputed my account with Experian for XXXX XXXX  # XXXX and XXXX XXXXXXXX # XXXX They are reporting a charge off which is income. You can not have ordinary income on a credit report. They are defaming my reputation and falsely reporting misleading information on my credit report. I sent a dispute to credit central but they sent me a stall letter saying i was using a credit repair company but i am not. But i have right use a credit repair company to help if i desired. I will CC the attorney general and the XXXX XXXX XXXX All information om credit report should be 100 percent accurate

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 2022-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Today on a recorded call with Experian, I informed them that XXXX XXXX  and XXXXXXXX XXXX  had placed a fraudulent debt on my credit report. I have repeatedly attempted to contact XXXX XXXX and XXXX XXXX to ask them to provide proof of this debt to no avail. XXXX and XXXX XXXX have also been providing this fraudulent debt. Ive spoken with a representative today from XXXX XXXX who stated that the information the have on their system is from Experian. Experian is providing fraudulent credit information to others. I do not owe XXXXXXXX XXXX  or XXXX XXXX  any money. I was informed, during my call with Experians customer service representative, XXXX, that a company called, XXXX XXXX also has placed a fraudulent debt on my credit report. Ive asked ExperianXXXX to remove all of this fraudulent information. She informed me that I am to provide a complaint with the FTC. When I went to the FTC ( Federal Trade Commission ) website, I was redirected to CFPB website to file the complaint. I want this fraudulent information removed immediately AND I want Experian to contact XXXX XXXX and authorize them to remove the fraudulent information they have placed in their system as well. The reference number for XXXX XXXX is Ref # XXXX. XXXX owns XXXX XXXX. I want this fraudulent information removed from XXXX too. Experian should not be allowed to put fraudulent information on anyones credit report without verifying that the debt is valid. They are ruining peoples lives and should be held accountable in a court of law. This is slanderous and libelous. Today XXXX from Experian also provided this information : XXXX XXXX XXXX Partial Acct number XXXX - {$18000.00} XXXX XXXX XXXX  Partial Acct number XXXX - {$20000.00} This is fraudulent and must be removed 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 2022-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hello my family is hit very hard by the Covid and my husband is an auto mechanic and there is no business for several months. This made it hard to pay our mortgage to Specialized Loan Servicing and we fell behind and now they have a foreclosure sale for XX/XX/XXXX. We live here with our XXXX children and have owned the home for 15 years and do not want to lose. When XXXX 's hours were cut we called the lender to ask for help to modify our loan. They ended up offering us a forbearance and they said we could skip the payments and they would add them back in the loan balance and work with us to modify or restructure the loan. The forbearance ended in XXXX XXXX and XXXX wanted us to make the full payment, but my husband was still only getting part time hours. We asked them to work with us and applied for a loan modification. They told us a few months later that we did not qualify. No one could say exactly why, one person said that there was not enough income and someone else said the lender would not allow another modification. We don't know for sure, but we do know that our financial situation is much different than when SLS reviewed us for loan modification. My husband is working full time and got a raise because he specialize in XXXX cars. Also my adult son who lives with us is working full time and helping with the bills. We are making more money and want the chance to be reviewed for homeowner assistance options based on our current income. SLS says sorry it is too late, we will not review for any modification because you can't have one. We don't know why. In XXXX my husband had XXXX and he missed a lot of work during XXXX  but is OK now. We applied for a loan modification at that time and were approved. We make all payments until Covid comes. When they give us the forbearance they explain that it was fine to miss payments that the loan would be modified at the end to fix the late payments. But they have not done that. If they are saying we can't have a second loan modification, why did they tell us they would help us get a new loan modification after the Covid forbearance? If we can't have a second loan modification please give us the information on the owner and investor of loan with their modification guidelines and also the agreement they have to service the loans so we know this is real and true. 

We have enough money to make the mortgage payment or even a higher payment or repayment plan because our finances are much better. But we are behind {$53000.00} because of Covid and SLS is trying to get us to pay this all at once and we can't do that.

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 2022-11-22 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: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX I MOVED OUT OF RESIDENCE XX/XX/2021 UNDER AGREEMENT BY LAW. THERE WAS NO BALANCE DUE AN ACCOUNT WAS OPENED FRAUDULENT IN XX/XX/2021 I REQUESTED DOCUMENTS OF CONTRACT, SIGNATURES AND DISPUTED NO DOCUMENTS EVER WAS RECEIVED NOW STATUS IS IN COLLECTION. 
THIS IS AGAINST THE GUIDELINES ALSO XXXX IMPROPERLY SENT XXXXXXXX XXXX INACCURATE CREDIT SCORE WHICH I WAS DENIED A ACCOUNT BECAUSE MY CREDIT SCORE IS XXXX NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with 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 2022-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority
State: MI

Complaint narrative:
I am a full-time graduate student graduating in XX/XX/XXXX, however, my grace period for student loans already started and payments are due in XX/XX/XXXX ( XX/XX/XXXX because of Biden 's extended repayment freeze ). I have called the loan provider multiple times but they are saying that they are waiting for my university to update this information. I called my financial aid office and they said the information about my enrollment is already updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payment or to incur debt and defer payment. As a consumer, 15 USC 1602 ( h ), and creditor, 15 USC 1602 ( f ), I issued my credit card over the phone to XXXX XXXX XXXX XXXX representative XXXX XX/XX/2022, a consumer credit transaction was completed via Exeter Financial Services and Exeter denied me credit. The denial discriminates against my rights as a creditor and it violates 15 USC 1691 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SHEFFIELD for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with 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