vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
In XXXX of XXXX  my mortgage was transferred from XXXX XXXX to XXXX XXXX. Due to this transfer my payment made in XXXX was not processed by XXXX XXXX and was transferred as through it was. 

Come XX/XX/2022 I went online to XXXX XXXX  to make my payment as I had been doing, and it showed I had a past due balance of XXXX plus late fees. I paid this amount, after being told XXXX XXXX  was proceeding with foreclosure and demanding the money right then and there. 

In XX/XX/2022, it still showed I was past due for XXXX, when calling in to XXXX XXXX again, I was again demanded a payment of XXXX, or they would foreclose on my home. Also demanding that I provide them updated phone numbers and contact info. Had to demand that I speak with a supervisor. Who discovered that while XXXX XXXX had collected my payment they had not applied the nearly XXXX to my account it was sitting in a cash account. 

End of XX/XX/2022, I called in because I still could not make a payment online and the payment still showed past due for a greater amount then just the amount due for XXXX. Discovered that the payments and amounts had not been applied. 

Now here we are XXXX of XXXX, I call in because I received a Real Property Notice of Valuation and wanted to discuss this with XXXX XXXX I am forced to take extra steps to provide documentation to even understand if th

e documentation is needed by my lender or will help lower my payment. Note : speaking with a manager she was able to help identify and resolve the concern however the continued frustration with XXXX XXXX  / lakeview is the inability to resolve issues and concerns typically in one call or without speaking to a manager. Being provided wrong or incorrect information by the default department, or just general lack of knowledge due to training or education.

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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 2022-06-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX balance {$1000.00}, XXXX XXXX XXXX Account # XXXX balance {$950.00}, XXXX XXXX Account # XXXX, XXXXXXXX XXXXXXXX Account # XXXX balance {$1700.00} 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 an 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 2022-06-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account # XXXX balance {$1000.00}, XXXX XXXX XXXX Account # XXXX balance {$950.00XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX balance {$1700.00} 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of the inquiry issues with Transunion, I contacted XX/XX/XXXX and XX/XX/XXXX, the customer service representative was of no help either time. I have sent them copies of my FTC reports and am now filling a CFPB report due to this inaccurate information being reported. Below is a listed of the unauthorized inquires on my credit report. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/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 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
When ever I use my card for payments the balance on my account would immediately updated - real time. As of Monday XX/XX/2022 the balance on my account ( checking ) was $ XXXX. After this balance there was two incoming transactions - from XXXX XXXX XXXX of $ XXXX on Tuseday XX/XX/2022 and another from XXXX on XXXX XX/XX/2022 $ XXXX early around XXXX XXXX. However, these deposites were not shown up on the account until Thursday XX/XX/2022. 

And there were two outgoing transactions- one for {$910.00} for home rent, and another for $ XXXX for XXXX energy payment. 
After these transactions my ending balance should be $ XXXXBut I was told my ending balance has a negative balance of $ XXXX The reason the brach manager gave me was, a payment for car rental which is paid on Friday XX/XX/2022 for $ XXXX has been pending and that was the cause for negative ending balance. 
The reason why I didn't buy his reason is : 1 ) Whenever I making payment the Bank App on my phone updated immediately on real time. And I have seen that as I mentioned above the ending balance was {$650.00}.

2 ) Even after {$580.00} clear on XX/XX/2022, stlll my ending balance should have positive balance of {$240.00} or above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ON XXXX I REFINANCED MY CAR FROM XXXX TO XXXX. MAILED PAYOFF CHECK ( {$10000.00} ) TO XXXX  VIA US PRIORITY MAIL EXP TRACKING, WHICH WAS DELIVERED, LEFT W/INDIVIDUAL XXXX @ XXXX. I FILED XXXX XXXX ON XXXX TO PAY OFF ALL DELINQUENT GOV DEBTS. ON OR AROUND THAT TIME XXXX SUBMITTED A PROOF OF CLAIM ON THE CAR. XXXX CASHED THE PAYOFF CHECK AND MAILED THE CAR TITLE TO XXXX ON XXXX BUT NEVER FILED TO AMEND THEIR PROOF OF CLAIM FOR PAYMENT WITH THE COURTS. AS OF XXXX I WAS STILL TRYING TO HAVE XXXX AMEND THEIR POC. I HAVE SINCE BEEN NOTIFIED BY MY XXXX ATTORNEY THAT AN AMENDMENT HAS BEEN FILED ON XXXX 'S BEHALF BUT NOT BEFORE I FILED AN OFFICIAL BBB COMPLAINT. MEANWHILE I HAVE BEEN DISPUTING MY TRANSUNION CREDIT REPORT SINCE XXXX. I HAVE SUBMITTED EVERY DOCUMENT POSSIBLE TO HAVE THE INFO THEY ARE REPORTING CORRECTED. THIS ACCOUNT IS NOT NOR HAS BEEN APART OF MY XXXX. MY LAST DISPUTE WAS IN XXXX AT WHICH TIME I UPLOADED A DOC FROM XXXX STATING THAT THE ACCOUNT WAS PIF ( IT EVEN HAD A REF # ). YET THE DISPUTED INFO NEVER CHANGED, ITS AS IF TRANSUNION NEVER EVER INVESTIGATED ANYTHING. PLEASE, THIS ACCOUNT SHOULD NEVER HAD BEEN MARKED AS BEING IN XXXX OR APART OF A DEBT REPAYMENT PLAN AS IT WAS PIF AND TITLE MAILED TO APPROPRIATE PARTY IN XXXX. THE PROOF OF CLAIM ON THIS ACCOUNT SHOULD HAVE BEEN AMENDED IMMEDIATELY AFTER RECEIVING AND CASHING THE PAYOFF CHECK FROM XXXX XXXX AGAIN IN XXXX. I JUST NEED TRANSUNION TO AT THE VERY LEAST INVESTIGATE MY DISPUTE AND NOT JUST DISCARD IT BECAUSE FOR THE LAST 4 OR 5 MONTHS IVE BEEN FILING A DISPUTE FOR THE SAME EXACT THING. XXXX ADVISED THEY ARE NOT RESPONSIBLE FOR THE WORDING THAT TRANSUNION REPORTS, REALLY. TRANSUNION ADVISED THEY NOT RESPOSIBLE FOR THE WORDING REGARDING MY COAF REMARKS, REALLY. 
BELOW IS THE LAST DOC THAT I UPLOADED TO TRANSUNION IN XXXX WITH MY DISPUTE, WHEN I CALLED THEM XXXX, THE DISPUTE RESULTS WERE THE SAME AND I WAS ADVISED THAT THE DOC WAS NOT VALID. OBVIOUSLY THERE WAS NO INVESTIGATION DONE. XXXX, 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 non-monetary relief
Consumer complaint received 2022-06-08 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: PA

Complaint narrative:
Every time I dispute this erroneous info I get serious run around from XXXX XXXX ; they incorrectly and secretly charged me an XXXX cent late fee in XXXX, 2021 ; They realized that I never should have been charged that hidden fee and reversed it on XX/XX/2021. Problem is they refuse to update the credit reporting agencies that I was in fact NEVER past due! 

Whenever I call them about it, they empathize and tell me they'll fix it, but then they don't. 

Please help- this is insane!

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 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
There was a {$60.00} dollar unauthorized fraudulent transaction on my Bank of America account, that i filed dispute with bank. First they issues me temporary credit, but now they reversed the funds. 

I am a victim of fraud. But bank is denying facts..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/2022, I received a telephone call from someone stating they represented Citibank corporation regarding a credit application that was opened in my name. I did not complete this application nor have a signed credit with Citibank corporation. The representative stated that he was reaching out to me because the email seemed fraudulent. He also mentioned they would deny the application and suggested that I contact the federal trade commission to report this fraud because my personal information had been compromised

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 2022-06-08 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: MD

Complaint narrative:
This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY. 

The credit bureau TRANSUNION stated my account was properly investigated and verified. This was not an verification based investigation. This investigation is for the IMPROPER USE OF MY CREDIT REPORT AND VIOLATION OF MY RIGHTS TO PRIVACY I reached out to Transunion because according to federal guidelines 15 U.S. Code 1681 I have the right to privacy and requested that they removed the account # XXXX from XXXX  XXXX XXXX XXXX from my credit report in the amount of {$360.00}.

I contacted Transunion multiple times with the final time being today XX/XX/2022 The law states " ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy '' My right to privacy has been violated and I have reached out to this company.

The law also states under 15 U.S. Code 1681b A Section 2 ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've never gave written consent for this account to furnish my credit report and Transunion is not doing a proper investigation on my credit report being used improperly.

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 2022-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
Rockland Trust Bank XXXX XXXX MA XXXXXXXX XXXX Unjustly used private business banking information comments on social media. As far as I have been told by my lawyer, it is unjust and uncalled for, for there to be private information about a business account told over social media from a current employee. I am beyond upset that she would make comments regarding a private banking issue on a social media platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: MS

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. 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.US DEPARTMENT OF EDU 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 checked my checking account balance in the morning, noticed it was incorrect/unauthorized online domestic wire transfer in the amount {$4900.00} one the same day I reported to Citibank to investigate and asking for refund, also I stop by one of Citibank branch to file an affidavit. 
On XX/XX/2022, I received in the amount of {$3800.00} a incoming wire transfer from Citibank As of today I still do not receive full amount, a balance of XXXX still not resolve this is a fraud online wire transfer I attached full details of supporting documents with 6 pages for reference, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I AM A TRUIST BANK CUSTOMER. I WENT ON LINE AT THE TRUIST WEB SITE AND SENT {$1500.00} VIA XXXX TO REGISTERED XXXX PERSON ON XX/XX/2022. I RECEIVED A CONFIRMATION ON XX/XX/2022 AT XXXX PM : " PAYMENT UNDER REVIEW. YOU'LL BE NOTIFIED SHORTLY WHEN ITS STATUS CHANGES ''. THERE WAS A PHONE NUMBER AND A REFERENCE NUMBER ON THE NOTICE. 

SO FAR THE {$1500.00} HAS NOT REACHED ITS DESTINATION. I TRIED TO CALL XXXX YESTERDAY AND WAS ON HOLD FOR XXXX MINUTES. FINALLY A LADY ANSWERED WHO SAID THERE ARE SOME ISSUES WITH XXXX AND SHE COULD NOT HELP ME BUT A REPRESENTATIVE WOULD CALL ME. OF COURSE, NO CALL. 

NEEDLESS TO SAY I AM LIVID!!! WHERE IS MY {$1500.00}???? IT HAS BEEN DEBTED FROM MY ACCOUNT, BUT HAS NOT REACHED ITS DESTINATION. WHERE IS IT? 


I SEE THAT XXXX XXXX XXXX XXXX HAVE SENT COMPLAINTS TO XXXX 'S PARENT COMPANY, XXXX XXXX XXXX, XXXX. 
I WANT AN ANSWER... .WHAT IS GOING ON?

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 2022-06-08 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 — Problem with personal statement of dispute
Company: UPGRADE, INC.
State: NY

Complaint narrative:
XXXX XXXX  issues the Upgrade Visa card. This credit card reports only your amount balance owed, to the 3 credit bureaus, without also reporting your total credit limit. This results in your credit utilization being listed as 100 % usage for the Upgrade visa card which causes your overall credit score to drop. I attempted to rectify this issue with Upgrade visa customer service 4 months ago. I was told they do not function as a regular visa credit card since they are also a line of credit. This means they do not have to report your entire credit limit, to the credit bureaus, only the portion you have used the balance owed. I stated to them this policy is inaccurate and unfair and only succeeds in lowering your overall credit score. All financial lending products in my experience have always listed on your credit reports the amount you owe, as well as your credit available limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
I have placed disputes on three separate occasions, each returning as verified correct. Federal law code 15 US code 1679c allows me to dispute inaccurate data which also pertains to rights as a consumer I am allowed to view HOW they verified such information. Using e-oscar at times proves not to work. By law information supplied to credit agencies must provide accurate and true documents with my signature showing validity of debt. I have asked twice for how these were verified with the question for validation proof that has been left ignored. 
My issue is with the following accounts : 1. XXXX XXXX XXXX reports XXXX in payment history with last payment made XX/XX/XXXX ; XXXX  reports this account had 1 late in XX/XX/XXXX, with last payment made on XX/XX/XXXX ; while experian reports 7 lates and last payment in XX/XX/XXXX. 
2. XXXX XXXX XXXX reports XXXX in payment history with last payment XX/XX/XXXX ; XXXX reports 100 % on time with last payment XX/XX/XXXX and experian reports 6 lates with last payment XX/XX/XXXX. 
3. XXXX XXXX  XXXX XXXX reports XX/XX/XXXX as last payment with no lates ; XXXX  shows XXXX lates but only one 120 late ( XXXX ) with last payment on XX/XX/XXXX while experian reports c/o every month last two years with no 1st delinquency date.

4. XXXX XXXX XXXX reports no lates with last payment XX/XX/XXXX, XXXX  shows 4 lates despite also showing XXXX with last payment XX/XX/XXXX and experian shows XXXX CO dating back to XX/XX/XXXX. 

These XXXX accounts quite obviously were NOT investigated as requested being each of the three bureaus report different information. Due to this I have the rights to have all 4 immediately removed from my reports. 

Attached is proof of what I am claiming. Please note despite these showing experian as address too, each company had their own same letter addressed to 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 explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
debt was paid on the telephone by original creditor and considered paid in full {$600.00} and will credit the other {$75.00} on XX/XX/2022 but debt collection still trying to collect on. the {$75.00} when original creditor already agreed it will repaid in full with thee {$600.00} amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX  Card closed in XXXX. XXXX  sold account to Comenity Bank and I was unaware because they had the wrong address. I tried contacting several times to get an account number and change the address requesting a statement on XX/XX/XXXX it is now XXXX. I have yet to receive a statement so XXXX can setup my online payment. I dont have an issue paying it. I just want to see the account information with the new company and that is my consumer right. I made XXXX payment over the phone against my better judgment. 

XXXX XXXX Account : unknown Address : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : XXXX

Company response to consumer: Closed with explanation