vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: FL

Complaint narrative:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Denied credit card in error, CitiBank refusal to address concern, repeated denial over the years. Perfect credit ( above XXXX ) amongst all 3 major credit reporting bureaus, long credit history, and great debt to income ratio.

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 2023-02-07 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: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
To whom it may concern, I made an uninformed decision on XX/XX/2015 when I entered into the consumer credit transaction with MAS Financial Service. 

I have been reviewing laws and my rights and I have read that according to 15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is null and void.

According to 15 USC 1602 ( k ), I did not receive a printed notice which clearly and conspicuously made it available to understand the meaning of the agreement.

Due to all these clear violations, I am demanding that these accounts are removed, and I am requesting monetary relief for each violation. If no resolution will come from this and I receive an automated response from either company, I will have no choice but to contact my local small claims court. 

Account in question : M A S FINANCIAL SERVIC - XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Again, today, XXXX XXXX, 2023, I received the attached credit file report consisting of XXXX pages. The attached .pdf contains the pertinent pages. Please see the name contained on each page ( i.e. 1, 2, 5 and 35 ) of the same XXXX page credit file report. The name does not match! The name of the credit file report is not the same name of the addressee of the mailing of the credit report! 

The addressee of Equifax Information Services mail is INCORRECT and remains wrong. 

I am demanding that mail sent by Equifax Information Services specifically enclosing and containing the personal credit file information and personal identifying information be addressed to same name contained in the credit file report! The system names do not match and the addressee for the mail assuming a mail forwarding is filed with the USPS would not occur correctly since the addressee is the WRONG name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Reaching out regarding our property at XXXX. We were contacted through mail to procure flood Insurance from Lakeview. We were out of town due to the Hurricane that impacted our home. Once we were home and received the letter we were 30 days out from the time we needed flood insurance. We procured flood insurance as fast as we possibly could and found that it takes 30 days to kick in since its a flood policy. This is standard for any flood policy. It is impossible for us to get coverage before the 45 days. 

My concern is the following - Our home is not in a flood zone. We had to pay {$1000.00} for a surveyor to come out and prove that it is not. They have proven this, now they have to go to FEMA to get the official XXXX. This is standard and take 90-120 days. Again impossible for us to provide in 45 days. Now I have to pay more right after paying {$8000.00} in repairs to our home from a hurricane. 
- I opened a flood policy for {$900.00} to simply appease the ridiculous request to get flood insurance. Now Lakeview ha
s told me that they purchased one that starts XX/XX/23 for {$3600.00}. The one we bought doesnt kick in until XXXX because of course this is standard and takes 30 days to kick in. 
- When I contact Lakeview to explain how ridiculous this situation is all they can say is there is nothing they can do because it is what the system does. 

In summary, this home does not need flood insurance it is not in a flood zone. I understand you have to follow a ridiculous law that is unfair to the homeowner and provide a LOMA which is what we are doing and we procured insurance in the meantime. I have paid enough! All I ask is for Lakeview to not pull an additional policy that goes in effect XX/XX/23 for me to pay as well. This is absolutely insane, and taking advantage of home owners who can not afford to willing throw XXXX out the window for absolutely nothing because again we are not in a flood zone.

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 2023-02-07 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: VA

Complaint narrative:
Upon opening credit lines for my husband and I, we called the credit card issuer ( XXXX ) and set up automatic payments. For some reason, the bank only set up auto-pay for my husband 's account but not mine. Consequently, my bill was paid over 30-days late, when we finally noticed the balance had not changed. We called the bank to complain in XX/XX/XXXX and they said they would investigate. We were then NEVER contacted with the results of the investigation and were forced to call the supervisor multiple times to no avail, leaving voice mails each time. Finally today, XX/XX/XXXX, we were able to get this person on the phone, just to hear him say they would not call the credit bureaus to retract the mistaken report of a late payment because it is, in fact, accurate. It's true the payment was made late, but the question is WHY. This was their fault, not ours, so we feel the credit report strike is unwarranted. They could easily pull the call record to confirm we asked for auto-pay to be set-up on both accounts and verify this was their mistake, but they refuse to do so. We have impeccable credit, which we have worked hard to attain. We do not want this undeserved stain on our record.

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 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Previously had a home mortgage with Wells Fargo, during the period they were found to have been manipulating Mortgage rates. I understand there is a penalty repayment program in effect. Please let me know how I apply for possible repayment owed me. 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 explanation
Consumer complaint received 2023-02-07 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
I paid this vehicle off and 6 months early at that!! There is something wrong here!! They sent in a report that said we were late on vehicle payment. This is not true!!! I made an extra {$4200.00} payment alone in XXXX and then paid it off in XXXX. I've never ever missed a payment on anything and I've been making extra payments. I just got the title yesterday. Never got anything saying I was late on anything. How dare you!! Please look this over again and take this off my credit report and my husbands!! Someone made a mistake and I will got to an attorney if this isn't fixed because it is an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 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: CT

Complaint narrative:
My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from XXXX, Transunion, OR XXXX. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) - Reporting on Transunion XXXX XXXX I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX  XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
Transunion : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX XXXX XXXX : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX  ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX ) I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.

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 2023-02-07 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: CT

Complaint narrative:
My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from XXXX, XXXX, OR Experian. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) - Reporting on XXXX XXXX Experian I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX  XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
XXXX : XXXX ( Received XX/XX/2023, XXXX am ) Experian : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX ) I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.

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 2023-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Home Loan Center, Inc.
State: PA

Complaint narrative:
On XX/XX/2023 around XXXX I came across Lendingtree.com from looking up " refinance my car loan '' on XXXX XXXX I fill out an " application '' ( later the representative called it application but on the website they marketed as " answer a few simple questions '' ). As soon as I filled out my " application '' I was spam called, emailed and text message. The company calls me about every XXXX and would not stop. The calls continued from the next morning XX/XX/2023 from XXXX to XXXX after I told TWO different representatives to STOP call, email, or texts me. As of right now, I am very distressed and worried because I asked the representatives " XXXX '' and " XXXX '' if they had run any credit report on me and they both said NO, but I later find out that was a lie. The company pulled my credit report which is definitely harmful to my credit score. Also, they did not ask for my social security number nor my consent to pull my credit report on their website and I specifically told them not to. I became nervous so I look up the company name Lendingtree on XXXX and I am not the only victim to this unethical company. Everyone had the same experience as me which is they would not stop calling you, pull your credit report and ruins your credit score without your consent. We all thought we were getting free quotes for our loan but there was multiple hard inquiries from differ companies that we never authorized. is very unacceptable and can't help to feel like a scam and also a violation of Privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist paid my property taxes to the county late and now there is a fee being assessed due to the failure to submit a timely payment from my escrow. I have received notice that my name will be published in the newspaper as a tax delinquent unless this is remedied by the XXXX of XXXX. I have reached out to Truist twice, spending over an hour on the phone trying to get some assistance, and have been disconnected both times from their tax department. 

Truist 's tax representative told me ( before I was disconnected ) that according to their records, they paid my property taxes in XXXX of XXXX. However, the county tax office received payment on XX/XX/XXXX for taxes billed in XX/XX/XXXX. This was past the county 's three month grace period and I have now been assessed a penalty. If my name is printed in the paper as a tax delinquent, it will cause irreparable harm to my reputation and career, and this needs to be addressed immediately. I have just been transferred from department to department and nothing has been done by Truist. 

Since Truist bought my mortgage, it has been errors upon errors by this bank and I am frustrated that I keep losing both my time and money because of their negligence and failures. This should absolutely not be allowed to continue.

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 2023-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have some amount in my account I am waiting for it to be available since PayPal holds it. 

But it suddenly got a limitation without having any action. 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: MS

Complaint narrative:
I received a notification that a collections was added to my credit report. I contacted the reporting agencies and advised that I was unware of this debt, did not receive any prior communication from the collection agency, and lastly, I have full coverage medical insurance through the State of TN for the last 26 years. I have disputed this debt and attempted to reach out to the collection agency multiple times, to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Hi, I chatted to understand why I was charged interest and asked for the interest to be waived. I was told the interest was a rolling interest that started in XXXX, which made sense to me. When the rep tried to waive the interest, he advised me that after running my account through a system, my interest waive request was denied based on several factors such as payment history, spending, past requests, etc. 
I asked him specifically why my request was denied. He again stated that there were several factors considered as outlined. 
I am concerned that American Express is using my financial information and habits to make a decision that impacts me financially without giving me a reason for denial or outlining exactly what was considered in their decision. When I pressed, the representative exited the chat, thus refusing to answer any additional questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: SC

Complaint narrative:
Spire Solutions Recovery called my wifes phone number, and they told her they were XXXX. She never once gave her name or identified herself as my wife. The representative proceeded to give the address they mailed the paperwork to, and gave my email address. My wife was like what if I would have changed my number and someone else got that information. They should not have given out my personal information such as my address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation