vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: MD

Complaint narrative:
I applied for an assumption loan fron US bank to have my ex husband removed due to our divorce becoming final and a court order which stated for me to receive the house. After receiving this judgement I spoke to a representative that stated before I could move forward I would have to pay the intial first time buyer loan off totaling {$11000.00} that was attached to the mortgage, before I could assume the loan for the house and have my ex-husband name removed from the mortgage. After I paid the remaining balance of the first time buyer loan I spoke to a representative in the assumption departement to assure my interest rate would remain the same and would not be increased. I then completed the application in XX/XX/XXXX along with all requirements However upon receiving all my information my application was denied and I was informed that I would need a co borrower to move forward due to me not having enough debt to income. The loan officer returned all payments I initially sent in and informed me that I would have to complete a new application with my co borrower which is my son who is employed and raised my debt to income to the 45 % that they requested. In order for me to compete the application again I sent another 2 checks totaling {$990.00} to begin the loan process and complete all credit reporting needs. They requested all paperwork revolving around our credit and income. However they need to verify my son 's job and paystubs from XXXX and XXXX. I received a call on XX/XX/XXXX and stated they tried to contact me via email but did not receive an answer I informed the XXXX an email was never received by me and the phone call we were currently on was the only communication I have had from them. They then stated they sent a email to my son on XX/XX/XXXX and has closed my loan case due to my son not having enough credit and I now have too much revolving credit. However this information is incorrect. My son has a background of having credit cards that he does pay on time.And the only revolving credit that I currently have is one car payment which is totally {$11000.00}. They also stated that they would not return the 2 payments and they were non refundable, which was the {$900.00} for completing the loan process and {$97.00} for both myself and my son 's credit report to be pulled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
On XX/XX/year> I requested new rate quote and started a new policy with progressive insurance for a Auto policy : XXXX, I had already had a policy with progressive for Auto for same vehicles I had canceled the old policy XXXX which I had already paid and was issued a cancelation notice of what I had paid and what was owed stating that I would be refunded {$190.00}. After the cancelation XXXX begin to falsely state I owed them additional money for canceled policy for {$250.00} after already declaring that Policy was paid in full and issuing letter stating that they would refund me what was left from old canceled policy. XXXX XXXX then contracted with Credit collection services who proceeded and placed a negative debt on credit report for debt that is not owed. XXXX XXXX and Credit collection services willfully in Violations FCRA falsely reported outstanding debt to credit file.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from. 
This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year> our savings account was closed by Marcus. We were notified about this the day after by email The reason given was that a signature card had not been received by my husband. Despite months of phone case and requests to send the card Marcus failed to do this. They now do not know where the funds are On XX/XX/year>XXXX Marcus closed a CD which was due to mature on XXXX the same reason. At no time did Marcus ever reach out to us toknowa signature card was missing. Indeed statements for both the savings and CD were in both our names. Despite hours spent on the phone with Marcus and being passed from one department to the other we have been unable to resolve the issue. Interest has been withdrawn from both accounts by Marcus The savings account was in the amount of {$7300.00} with an additional {$180.00} interest TheCD account was in the amount of {$71000.00} with an additional {$3000.00} interest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Basically they claimed that they sent me a title at the end of my lease ( XX/XX/XXXX ) It never arrived, and I assumed that I lost it. 

I requested a duplicate title which involved sending in a written letter to hyundai and a check for hyundai that they would use to pay NJ XXXX. ( XX/XX/XXXX ) They sent me a title, but when I tried to transfer it it turned out that hyundai motor finance sent me the original title WHICH THEY CLAIMED THEY SENT MOTHS AGO which was now WORTHLESS because they requested a new title which they NEVER sent me. 

Meanwhile the car was totalled and progressive never can't pay me until hyundai gets their act together.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In XX/XX/year>, my business account with XXXX XXXX  ( Account XXXX. XXXX ) was closed due to an overdraft and subsequently sent to collections. The balance was paid in full on XX/XX/year>, via XXXX XXXX XXXX ( File Number XXXX ). I also received a letter from XXXX XXXX  XXXX collections department confirming the account has been fully resolved. 

Despite the resolution, the account continues to be reported by ChexSystems, marked as " paid. '' While this status is technically accurate, the continued presence of this account on my ChexSystems record is unfairly detrimental to my business, XXXX XXXX XXXX XXXX ( XXXX : XXXX ). It misrepresents my businesss financial health and prevents me from accessing essential financing. I am the sole owner of this business, under my SSN ( XXXX ) so it is as if my personal credit is being impacted. 

I have contacted both XXXX XXXX  and ChexSystems to request the complete removal of this account from my record. However, I was informed by XXXX XXXX  that ChexSystems will retain the information for up to XXXX  years. This is unnecessarily punitive and violates my rights under the Fair Credit Reporting Act ( FCRA ) to have accurate and fair reporting. 

I am requesting the Consumer Financial Protection Bureaus assistance to ensure that ChexSystems removes this account entirely from my record. The continued presence of this account, despite being paid in full, unfairly impacts my ability to secure financing and is harmful to my businesss operations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
I set up a payment arrangement with the XXXX XXXX XXXX which is the original creditor and have been paying a monthly payment for this couple months now.Which was XXXX $ and the Person of contact with original creditor ( XXXX XXXX XXXX ) stated on the email that the delinquent account will be removed from my credit report. I reached out to Credit world multiple times about this matter and the company refused even with the proof from the original credit of payment arrangments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of a fraudulent credit inquiry listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have this unauthorized inquiry removed.

The inquiry in question is as follows : Inquiry : XXXX - Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of a fraudulent credit inquiry listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have this unauthorized inquiry removed. 
The inquiry in question is as follows : Inquiry : XXXX - Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of a fraudulent credit inquiry listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have this unauthorized inquiry removed. 
The inquiry in question is as follows : Inquiry : XXXX - Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: IL

Complaint narrative:
I submitted disputes to XXXX regarding multiple inaccuracies on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ). These disputes pertain to the following : 1. KOVO INC : Late payments inaccurately reported in XX/XX/year> ( 30 days late ) and XX/XX/year> ( 60 days late ). 
XXXX. XXXX XXXX XXXX XXXX : A 30-day late payment in XX/XX/year> before the account was closed. 
XXXX. XXXX  : A 30-day late payment in XX/XX/year> before the account was closed. 
XXXX. XXXX XXXX XXXX ( Collection Account ) : A {$450.00} debt attributed to XXXX that lacks proper validation. 
XXXX. XXXX XXXX ( Collection Account ) : A {$3300.00} debt attributed to XXXX XXXX, which I dispute as inaccurate. 
I requested that XXXX investigate these items and verify their accuracy under FCRA 611. I also requested that they provide information on how the accuracy was verified under FCRA 609. 
XXXX failed to adequately address these disputes or provide supporting documentation. As required by FCRA, inaccurate or unverifiable information must be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was NOT taken into this matter as it has yet to be resolved in a manner thats FAIR and EQUITTABLE to me, the consumer per the Fair Credit Reporting Act regulations. I mailed off my notice to your agency and you responded with the account being verified and currently remain on my credit report. 
I explained the violations your company committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent violating the permissible purpose section of the FCRA. This leads to way of identity theft, violating the block of information resulting from identity theft section, which leads to a violation of the civil liability section of the FCRA. I informed your agency of all of this in my previous notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I am submitting this complaint to formally request the full discharge of all student loans previously held by XXXX. This request is based on XXXX  's deceitful practices, misrepresentation, and failure to provide accurate and transparent information regarding my loan repayment options. My student loans have been in place since 1999, and have been waining on my since that date. 

From the outset of my loan, XXXX  consistently misled me and denied me access to Income-Driven Repayment ( IDR ) plans that could have made my payments manageable and qualified me for forgiveness. Despite my repeated efforts over a 10-year period to enroll in IDR, Navient obstructed the process by labeling my applications as " Action Required, '' ultimately leaving my requests incomplete. Instead of offering viable repayment options, Navient repeatedly steered me into forbearance or deferment, resulting in significant capitalized interest and an exponentially increased loan balance. 

These deceptive actions have inflicted immense financial strain, fiscal hardship, and mental distress. XXXX  refusal to provide honest and fair guidance has caused unnecessary suffering and placed a long-term burden on my financial well-beingburdens that could have been avoided if I had been informed of my IDR options earlier. 

XXXX  's behavior demonstrates a clear pattern of prioritizing profits over borrower welfare, violating principles of good faith and fair dealing. I am holding XXXX  accountable for its role in misleading borrowers like myself and demand justice in the form of full loan discharge. 

I urge the CFPB to take this matter seriously and ensure that the financial harm caused by XXXX predatory practices is rectified. I look forward to your prompt action on this issue. Thank you for your consideration regarding my request for resolution regarding this egregrious matter. I hope to resolve resolve and communication of resolve in the form of full forgiveness of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
Hillcrest Credit Agency is using an alias to sue seniors and very sick people in the court system. They use the alias that they are the XXXX XXXX and are owned by the XXXX XXXX of XXXX XXXX, Kentucky. They take thousands of sick people and the elderly to the court to seize their properties and put liens on their properties using the name that they are the XXXX XXXX. I was confused as to who had filed a civil lawsuit against me. The complaint filed in the court says that it was the XXXX XXXX. I wnt to the XXXX XXXX to resolve the complaint and the XXXX XXXX says that they no longer have access to the records. They say that they transferred the records to Hillcrest Credit Agency who now owns the records. The XXXX XXXX says that they are not affiliated with Hillcrest Credit Agency and do not own them. Hillcrest Credit Agency is independent of the XXXX XXXX. However, Hillcrest is using the XXXX XXXX 's name when they file these claims. I requested of the XXXX XXXX, medical records and gave them 30 days to respond. They never responded. I requested medical records from Hillcrest Credit Agency, and they responded with records. I did not authorize Hillcrest to have access to my medical records. However, they have the accounts and records but are still using the XXXX XXXX 's name to sue people and take their properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted SOFI to inquire about a paper statement fee I was charged. In the 4 years I have had the account I have never had the fee but I was charged a fee on an account and when I request a credit and provided evidence that I was in fact signed up for paperless statements I received an email that it will be reviewed. 

I chatted with a representative on XX/XX/XXXX and they replied that my account was being closed. They refused to provide any information. 

On XX/XX/XXXX I received 2 emails - 1 alleging " irregular activity '' and 2 minutes later an email stating my account will be closed.

This clearly demonstrates a pattern of retaliation and fee loading an account that never had a fee.

Company response to consumer: Closed with explanation