vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 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: OK

Complaint narrative:
I am a consumer, I am identified in the FDCPA under 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), the fair credit reporting act is intended to ensure accurate and fairness of credit reporting pursuant to 15 USC 1681 ( a ), pursuant to 15 USC 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am aware that you have assumed a vital role and that you are not a part of government, nor a political subdivision. 
I am a victim of fraud and/ or identity theft. I have not consented to, authorized, nor benefited from the following accounts and inquiries. Block and remove remove the accounts and inquires from my consumer report within four ( 4 ) days pursuant to 15 USC 1681c-2. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. UNAUTHORIZED INQUIRY, NOT MINE- XXXX XXXX # XXXX placed for collection XX/XX/2021 Balance {$890.00}, UNAUTHORIZED INQUIRY, NOT MINE- XXXX XXXX # XXXX placed for collection XX/XX/2021 Balance {$890.00}. The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports.

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 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I started a conversation with Mr. XXXX XXXX ( Mr. Cooper rep ) discussing a refinance of my home, I asked Mr. XXXX the average of what rate I can get, he told me I can have XXXX through XXXX, I was very clear asking him without buying any point and he told me yes. 
After he pulled out my credit the story was different. He offered me 3.250 % with my wife on the application and then with myself 3.125 %. 
I asked him why he told me another rate, he said you can have XXXX but buying point. 

Here is the email I sent to him, never answer : Hi XXXX, Just to let you know I am disappointed with how things turned out, when we started our conversation at the beginning you told me I can get a rate between XXXX to XXXX, I was clearly telling you without buying any point and you told me yes. 
it is very clear that your intention was to run my credit, It was very simple to say you should not do it, wait for a better rate. 
I can't believe these absurd numbers you sent me, please don't try to reach me out. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
Company is giving me the run around with a recently reported 30 day late on all 3 credit reports. They automatically take money from my bank account every week and my account on their website does not update correctly. This caused a huge issue with my account. My account is now paid off as of last week and I was told I was not going to be reported as late once it was cleared up. Their interest fees are also astronomical, based on this my account should have been paid off long ago. All I want at this point is for them to correct the error on my report that shows I am late 30 days. This has ruined my credit horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX, Synerprise Consulting, XXXX XXXX, XXXX and XXXX are reporting inaccurate information such as balances, account number, and dates reporting on my credit file. They have all failed to report accurate and complete information on my credit file. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a car loan because of these accounts and would like this matter resolved as soon as possible. I would like these accounts deleted while it is being properly investigated, as it has been approximately 90 days since the first dispute was submitted. They negligently and willfully violated the FCRA and FDCPA laws by failing to properly investigate the dispute or review the letters that were submitted. The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Thaxton Investment Corporation
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
COVINGTON CREDIT ***** Opened : XX/XX/XXXX Balance {$0.00} Late Close

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank offered me a compelling rate to refinance the mortgage loan I have with them. After confirming they locked in the rate, the mortgage broker claims he made a procedural mistake on the timing of the appraisal payment, which resulted in the bank failing to honor the locked rate. The bank did not offer compensation or keeping the locked rate as a courtesy, despite several confirmations from the broker the rate lock was active. Worse, as mortgage rates climbed significantly in the interim, the new rate is significantly higher, translating to an additional charge of {$12000.00} per year.

The mortgage broker details are as follows : XXXX XXXX NMLS # XXXX Citizens Bank XXXX XXXX XXXX XXXX NMLS # XXXX Citizens Bank XXXX XXXX citizensbank.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: AL

Complaint narrative:
Attached is a copy of my mortgage statement. As you can see I am current with my mortgage payment. Selene Finance has added a {$770.00} additional charge to my payment. My loan modification was denied and now they are trying to charge {$770.00} for the loan modification. I don't think it is fair for me to pay my mortgage payment every month and this additional fee. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have called and written several certified letters to Equifax about the fraudulent inquires on my report still they refuse to deleted them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: PA

Complaint narrative:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Block, Inc.
State: CA

Complaint narrative:
I started a XXXX XXXX XXXX  and since business is picking up I deduced to use a more useful way of tracking my payments instead of using cash app. A colleague suggested square so on XX/XX/XXXX I signed up for an XXXX  account to be able to send and accept payments. As your account is created they walk you through steps of adding your bank account and making sample invoices. On XX/XX/XXXX me and a colleague came to an XXXX  agreement that totaled out o be {$3500.00}. She was sent an invoice on this date from square and I believe she paid by ACH from her account. On XX/XX/XXXX square emailed me and stated " you can still continue to accept payments. However, until we can confirm your information, your funds will be held in your Square account. You will not be able to transfer your funds into your bank account and they will not be accessible on your Square Card. '' I logged into my account and it sent me to a page with different questions and link to be able tp upload any documentation. I answered each question honestly and to the best of my ability, I also upload my CA XXXX XXXX, CA drivers license, bank statements, CA Secretary of State papers, and proof of EIN from the irs. All of this info was submitted on XX/XX/XXXX, they sent an email on XX/XX/XXXX that my information is now being reviewed. In under a hour my account was blocked, and I can no loner use any of their services. my 1 {$3500.00} payment they told me will now be on a 90 day hold an i can not get my funds until after XX/XX/XXXX. All of my info and documentation is correct and can be verified. They gave me no other explanation and they also have no customer service so you can not talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XX/XX/2021 Debt was paid XXXX to Portfolio Recovery Associates and will be considered paid in full for less than request that the credit beauras delete from report. I have everything in writing to verify. Now, it being reported as partial paid with a balance still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
I've reached out to Honda and XXXX XXXX regarding late payments noted on my credit report however the accounts with both financial providers have been closed from some time now. I contacted them both back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX account was closed on XX/XX/XXXX. However it is documented on my credit report that I was late on XX/XX/XXXX American Honda Finance was closed on XX/XX/XXXX. However it is documented on my credit report that was late on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
You guys gave me a hard inquiry and rejected me thank you for ruining my credit I'm over 700 I should of been approved. Never will do anything related with you guys in the future. Disgusting company I could of bought what I wanted in full but this seemed like the only way to get it now I'm pisssed off with you guys and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
On XX/XX/XXXX I wrote Fedloan because I had received an inaccurate PSLF tracking statement. I found multiple instances of basic arithmetic errors. After corresponding with Fedloan a few times, on XX/XX/XXXX, they agreed that an error had been made and that my PSLF tracking needed to be reviewed. In XX/XX/XXXX, I submitted my annual employment certification, but since the review had not been completed, I received another erroneous PSLF tracking statement. I continued to patiently wait for the review to be completed. I emailed Fedloan in XX/XX/XXXX and was told they still did not know when it would be done. I checked in with them again at the beginning of XX/XX/XXXX, they still have no idea when it will be completed. I do not think it is unreasonable to expect that blatant and extremely consequential errors in my account should be corrected in the span of a year. 

In the meantime, the Dept of Ed is updating how PSLF payments are counted and Fedloan will soon stop servicing student loans entirely. I am very concerned that when my loans are transferred to a new servicer my records should be up to date and accurate.

I need my PSLF tracking to be reviewed and accurately updated as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo continues to over charge me with overdraft fees even though I did not consent to them. Something has to be done about it. I never opted in to overdraft fees as the bank has always declined my transactions at 99.99 % at a time. Why is it that they charge me {$35.00} for paying a dollar or {$5.00}? I need refunds for predatory fees they continue to charge me and for pin and suffering with inconveniences caused.

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 2021-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/21 XX/XX/21 I call them they were rude my question was if they can delete hard inquiries in my trans union and XXXX and they said they cant when does enquirer are not my please can u delete them I give u permission

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 2021-10-29 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-29 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
You guys gave me a hard inquiry and rejected me thank you for ruining my credit I'm over 700 I should of been approved. Never will do anything related with you guys in the future. Disgusting company I could of bought what I wanted in full but this seemed like the only way to get it now I'm pisssed off with you guys and best buy

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 2021-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH AAMS LLC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

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