vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
My PMI was supposed to have been canceled as of XX/XX/XXXX as confirmed with Flagstar Bank several times with agents over the phone, last one XX/XX/XXXX with a case number of XXXX. I was told then that my PMI would be processed for cancellation and that I should not be charged again on my XXXX statement. 

I just checked and I was billed for PMI again on my statement dated XX/XX/XXXX more than XXXX calendar days after the request was made. I've tried contacting Flagstar again to resolve the issue and keep getting sent to other agents with only promises of escalation. 

This isn't the first time Flagstar has had poor customer service. There have also been circumstances when they have from my XXXX  been out of compliance with regulation, e.g., when my loan was transferred to Flagstar they didn't provide notice in the minimum required amount of time stipulated by the CFPB, and have in the past as a result of their poor systems double charged me ( when a payment was not reflected in their system after being made ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
On XXXX XXXX, XXXX, XXXX Brock & Scott , PLLC for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has served me Alert/amended notice of hearing papers to be in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX on XX/XX/XXXX @ XXXX am in XXXX, NC to foreclose on my home for a debt that has been paid and discharged in my XXXX XXXX bankruptcy back in XX/XX/XXXX. I have asked them to cease and desist, i have disputed the debt and 2 of the credit reporting agencys are showing the accounts closed. XXXX XXXX XXXX  has even squatted so low to tell transunion credit agency that I made a payment in XXXX XXXX so they could restart the account as being updated. I have also disputed that lie with transunion and they have done nothing to fix it. I am permanently XXXX, currently suffering from XXXX XXXX, live alone, no family or friends and barely getting by. I am not one who doesn't pay my bills when I owe them. Please help me and have them to please leave me alone. I am not bothering anybody and just want to die in peace, please... .I don't know what else to do at this point. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: FL

Complaint narrative:
My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) XXXX XXXX XXXX XX/XX/2021 Capital XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) TRANSUNION XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/202XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX ) XXXX XXXX  XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 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 2022-01-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit profile has inquiries I did not make. I already asked the credit bureaus to remove them and that it was fraudulent but they didn't care to remove them. They were all made through fraud. I dont have any credit cards or accounts with these companies. I was told to file a complaint through CFPB. 

XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX ) EXPERIAN XXXX XXXXXXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/202XXXX 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 2022-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC
State: WI

Complaint narrative:
Carvana enacted with XXXX XXXX XXXX systematic XXXX upon my account to discredit and discriminate by using a administrative policy to impede constitution protectioXXXX of civil rights under FCRA ( Fair Credit Reporting Act ) and ECOA ( Equal Credit Opportunity Act ) Acts. 

It's also believed that Carvana and XXXX under their internal system listed my account in a past due since XX/XX/2018 or collection status to impede Constitutional protection by listing my account internally as past due since the beginning of my contract with them. 

These action of systematic XXXX by Carvana and XXXX where to hinder their minorities customers form refinancing and hinder and create a negative environment around my name and accounts, also its further believed, that Carvana and XXXX maybe involved with XXXX XXXX XXXX XXXXXXXX  and hire people to steal Minorities vehicle after completion of payoff of loan/contact with them, so after you have paid off your loan with Carvana/XXXX  you have to buy a XXXX to protect your property due to their extensive connection with collections and attorneys. ( see attached ). 

XXXX and Bridgecrest also refuse to honor their payoff letter at end of loans and seek to report on your credit report defaults in order to create crime in the street because honest citizen that pay off their loan on time are subject to harassment and need to purchase a guns to protect their property against Carvana and XXXX because of their systematic XXXX to hinder minorities at payoff and end of contract term. 

XXXX Breached their payoff agreement and FCRA and ECOA by their internal policy and discrimination to impeded Constitutional protection. ( attached ). 

Carvana practice 'Systemic XXXX XXXX. 'Unconscious bias '. as recognise more insidious forms of racism that counter a very real impact on the employment chances, pay, health and finance of ethnic minorities because I made all my payment timely, as they seeked to perform acts to remove any all account related to my name to systematically discriminate me from financing another vehicle with them because of ny XXXX. Carvana would note ny accounts as past due or defaulted to place minorities in a higher interest and down payment for profit gains, in order words they use minorities to hustle through high interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: SC

Complaint narrative:
I graduated college on XX/XX/2022. When I login to XXXX XXXX, a message pops up saying I have 1298 days until my first principal and interest payment is due on all of my loans. When I click each individual loan that it says I am in a grace period for XXXX more days for, it says my first principal and interest payment is due XX/XX/2022. This information is misleading and they should not be allowed to tell me false information on when my payments are due.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I pulled my Experian consumer report and noticed some accounts that were not permitted to be reported, and which I contested, and Experian deleted ( see attachment ). By them deleting the collection accounts they are held civilly liable for the violation in which my reputation, character, and ability to obtain credit have been damaged. Pursuant to 15 U.S.C 1692. Here is a list of the violations as shown in the letter attached : 15 U.S.C 1692e 2 ( A ) 15 U.S.C 1692e 14 15 U.S.C 1692c 15 U.S.C 6802 a 15 U.S.C 6802b 1 15 U.S.C 6802 b ( A ) 15 U.S.C 6802 b ( B ) 15 U.S.C 6802 ( C ) 15 U.S.C 1681b ) 15 U.S.C 1681b ( A ) 15 U.S.C 1681b ( A ) 2 15 U.S.C 1692j 15 U.S.C 1611 U.S.C 45 CFR 164.502 ( d ) 15 U.S.C 1681a 4 15 U.S.C 1681a 3 ( a ) ( b ) ( c ) 15 U.S.C 1681b 4 I am demanding monetary relief in the sums of {$16000.00} from Experian. 
Attachments : Affidavit of truth XX/XX/XXXX Updated credit report with the deleted collection accounts XX/XX/XXXX Invoice sent XX/XX/XXXX Green receipt stamped XX/XX/XXXX Photo ID

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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am the consumer. Transunion place a fraud alert on my consumer report without my written consent or request. I believe Transunion placed the fraud alert on my consumer report because I have recently mailed them XXXXwo identity theft reports. Transunion created a deceptive form/postcard and sent to me through the mails which is mail fraud pursuant to 18 USC 1341 . Transunion violated my right to privacy my mailing the attached postcard through the mails pursuant to 15 USC 1681 ( a ) ( 4 ). I tried to remove the fraud alert from my consumer report on XX/XX/2022 but each time, the attached error page appeared and I could not remove the alert.

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 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I do not owe anything to XXXX and I paid all dues in time. Yet I have received this collection notice and they also reported it to the credit agency. 

This effected my credit history and its totally unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: CA

Complaint narrative:
I have tried repeatedly to have the XXXX account removed from my Equifax report due to the numerous inaccuracies I have seen across all bureaus with this one account, but the company ignores my request and only updates the information. After they " update '' information, it is still inaccurate. I have asked for the account to be DELETED and I am adamant about this. I am being hindered from being able to progress to the next level in life because of this acct and the inaccurate information that comes back when a creditor runs my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have been a victim of several identity Thefts : IRS, XXXX XXXX XXXX, Capital One, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX for XXXX, XXXX, I was incarcerated and placed on XXXX XXXX from XX/XX/XXXX XXXX XX/XX/2019. I did not have possession of any XXXX at that time. 
According to the Fair Debt Collection ActXXXX XXXX, Fair Credit a reporting Act. The following statutes are to be followed. These Statutes are subject but not limited to 605b. Which state that the Credit Reporting Agency MUST DELETE ANY INFORMATION WHEN IDENTITY THEFT HAS BEEN BROUGHT FORTH. After several documents going back and forth from me and Capital One they sent me a letter Dated XX/XX/XXXX stating the following the application was taken over the phone or on the internet and therefore do not have any documentation to give you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Contacted XXXX about account has been over 6 years old and they stated that account was brought back by creditor and clock was restarted again for another 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: Block, Inc.
State: NY

Complaint narrative:
XXXX debit cards were opened without my authorization. They were also sent to an old address. This was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I purchased a car from XXXX on XXXX XXXX. I was told that {$1000.00} cash deposit down was required in order for credit through Capital One XXXX to be extended to me. This violates 15 U.S. Code 1662 ( 2 ). I was then notified that I needed car insurance in order to leave lot. Pursuant to 15 U.S. Code 1605 ( a ) ( c ) insurance was supposed to be included in the finance charge which it was not. At this current time, I am still paying a monthly premium for car insurance. I believe that Capital One XXXX along with XXXX is in violation of 15 U.S. Code 1692 ( XXXX ). There was also several late payments that are reporting on my credit as result of me losing my job as a result of XXXX from XXXX through XX/XX/2020. I contacted Capital One XXXX to remove these late payments and they have refused. Pursuant to 15 U.S. Code 1666b, creditors may not report late payments. Capital One has made several phone calls and even text me at inconvenient hours to demand payment when I am even 1 day late on a payment. As stated in 15 U.S. Code1692 this is illegal. and sent Lastly, my personal information is being is being reported to several non affiliated XXXX party consumer reporting agencies. This is a clear violation of 15 U.S. Code 6802a. These current events are causing me extreme XXXX, XXXX and XXXX as I am being repeatedly denied credit stating that I have unsatisfactory payment history as a result from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I was looking on my credit Report and I seen a company named Convergent Outsourcing which I never open a account with them nor did I give anyone permission to open this account in my name I first sent numerous letter and never got a respond back. I then called the company direct to find out why they are reporting on my credit report they said that they are reporting on the behalf of XXXX and that they had the wrong address and contact info for me and they mailed a fraud packet to the wrong address I then updated all my contact info and address with them. I received the fraud packet filled it out and sent it back to them over a month went by and they was still reporting on my credit report I then call them back and ask to speak to a manager I then talked to a gentlemen named XXXX or XXXX which he told me the hold up was with XXXX. so I then called XXXX directly and they blame Convergent outsourcing they then sent me to a website XXXX i went to the website and fill it out still nothing i then call back and ask to speak to the same manger and he told me they i was missing the police report and once i send that they would remove it I then sent them the police report and now they are saying the address is connected to a family member the address they have I never lived at I am so frustrated with this whole situation I was in the process to buy a house and this is hindering me I feel like I am getting the short end of the stick why should I pay a higher interest rate for something I did not do I would like this removed from my report.

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 2022-01-15 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: TX

Complaint narrative:
I have contacted Equifax several times explaining the same situation over and over again. Someone has stolen my identity and is constantly attempting to open accounts using my personal information. I send several requests and calls only to be told that if the back office did not delete, I have to keep sending the same information over and over again. SO, Equifax admits that they have the documents & someone dropped the ball, but I have to keep contacting them until someone feels like actually reviewing my information. Again, I have attached the requested documents & hopefully this is the last time I have to make this request for these fraud inquires to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX {$17000.00} was withdrawn from my account. I have no knowledge of where the money was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I, the consumer, natural person, and original creditor, exercised my right to rescind the following transactions with Navy Federal Credit Union for my XXXX XXXX credit card however, Navy Federal closed the disputes I made and failed to credit my account for the transactions. Upon receipt of their requests for additional documentation to aid their investigation of my rescissions/disputes, I provided Navy Federal Credit Union with the attached statement of rescission and the federal law to which I was exercising-15 U.S. Code 1635. 

XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XX/XX/XXXX {$5.00} XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXXXX/XX/XXXX {$12.00} XXXX  XX/XX/XXXX {$58.00} XXXX XXXX  XX/XX/XXXX {$4.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$5.00} XXXX XXXX  XXXX XX/XX/XXXX {$4.00} XXXX XXXX XX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$7.00} XXXX XXXX XXXX XX/XX/XXXX {$11.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I made a {$16.00} transaction on my Chase debit card ending in XXXX at XXXX XXXX located at XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX under the terms of a 20 % cash back Chase offer expiring XX/XX/XXXX that I added to my card. In accordance with the terms, I paid at the pump with the physical card. 

The transaction posted to my account under the anomalous " description XXXX XXXX MA XX/XX/XXXX also known as XXXX. '' The merchant name is not listed and is instead replaced with the merchant location and date of transaction. 

I have reached out to Chase customer service on multiple occasions through the online secure message portal and by phone. 

On XX/XX/XXXX, I inquired about the status of the offer and was informed by XXXX that I would " receive statement credit within 14 business days. '' On XX/XX/XXXX, I re-inquired and was told by XXXX that " we are unable to help you with your request through email '' and I was asked to " call us at the number on the back of your debit card. '' I subsequently made a call to Chase customer service by phone and was told that a ticket would be opened. 

I received a letter in early XXXX with a single sentence asking me to call customer service to discuss this problem. 

On XX/XX/XXXX, I called Chase customer service by phone and was told the information I had already provided was not available. I was asked to state the problem again and was assured that the ticket would be re-escalated. 

I received a letter dated XX/XX/XXXX stating that " we are unable to locate any offer for this merchant '' and was asked to " provide us with a screenshot or copy of the offer through Secured Messages at Chase.com. '' On XX/XX/XXXX, I submitted the requested screenshot and was told by XXXX that this " requires the expertise of another team '' and to " call us at the number on the back of your debit card. '' I am appalled that it has taken nearly three months in this ongoing saga to receive a small credit in accordance with the terms of the offer that Chase advertised. Having fulfilled the terms of this offer in full, I have been made to endure an insufferable game of passing the buck to no avail. Each person is happy to give me the runaround and kick the can down the road with no solution in sight.

Company response to consumer: Closed with monetary relief