vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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: FL

Complaint narrative:
I am writing this letter about XXXX ( XXXX XXXX XXXX XXXX This account does not belong to me. This is fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud.

Please also remove these inquires as I did not grant anyone permission to access my credit, did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these addresses that do not belong to me, I have never lived at any of these addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please also remove all employment information as I am not working.

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 2021-12-14 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: NY

Complaint narrative:
I have unauthorized inquires that I did not consent. 
Improper use of my credit. 
Fraudulent accounts or charges appear on my credit 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 non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
Flagstar Bank, I am unable to pay my mortgage electronically through normal course of online payment. I called the : ( XXXX ) XXXX and I am told they are having technical difficulties and they are unable to take my call. I am immediately cut off for further contact or provided with an alternative number for online payment. I am very concern that this will affect my credit rating of a late payment.

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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union
State: VA

Complaint narrative:
I deposited a {$2300.00} paper payroll check from my employer ( the same employer who direct deposits into my account twice a month ) using First Tech Federal Credit Union 's mobile banking app on XXXX  XX/XX/XXXX. The check was placed on a two day hold with part of the funds being released right away and {$1800.00} being placed on the hold. The funds were on hold through the following XXXX XX/XX/XXXX and a representative did confirm they would be released into my account XXXX  XX/XX/XXXX at XXXX XXXX Six hours prior to the release of the funds, four transactions came through my account for {$31.00}, {$49.00}, {$80.00}, and {$89.00}. For each transaction, I was charged a {$33.00} overdraft fee for a total of {$130.00}. This happened six hours prior to my funds being released and while the funds were on hold and visible in my account balance. The representative offered to refund one fee because " that is all he was authorized '' and " this is just how credit unions do business. '' He also proceeded to interrupt me and tell me that " XXXX  XXXX XXXX does this too. '' I am obviously upset at what appears to be a fairly typical practice in the banking and credit union industry. Over the course of XXXX ( during the hardest part of the pandemic ) and XXXX, First Tech Federal Credit Union has charged me over {$2000.00} in overdraft fees, some the same day my paycheck was deposited because of the banking industry practice of entering all debits first and then processing deposits. This is completely unfair. The banking industry, including more " customer friendly '' credit unions make their money off the backs of people who are in the most vulnerable positions. Accepted practices in this industry are appalling and unchecked because " that is how it is done. '' First Tech FCU, I have never asked for a dime back in my $ XXXX overdraft fees you collected over the past year, but today I am asking for all four of these overdraft fees that were taken while my funds were on hold and six hours from release.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: AL

Complaint narrative:
Company say a live check was sent out in my name and was deposited into a account not linked to me without and signature on this live check they created without my permission.. Ive requested information under the ( FDCPA ) twice, once on XX/XX/21 and XX/XX/21 which I requested certain documents and didnt receive all of those documents I have requested from the company Regional Management. I will send copies of both letters show the request that was giving

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Monterey Financial Services LLC
State: LA

Complaint narrative:
I went to XXXX XXXX XXXX and I was about to start the XXXX XXXX program and due to unforeseen circumstances I did not attend. Made contact with XXXX before school begin to state that I was not going to attend and to suspend the loan. I was told that everything was good and clear and then I was hit with this charge on my credit report. I never received any letters or correspondence regarding this debt. I don't feel that this is lawful because I never got the opportunity to fix this if it were my fault. I have lived at the same address so I have not missed any letters or mail regarding this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I have called 7Seven times to get this corrected and have spent over 15 hours of my life on the phone with over 18 FLAGSTAR service people. I have been told something different by many of the Flagstar support staff that I have talked to. I have been assured every time that the problems will be cleared and every time NO CHANGE IS MADE. 
I have escalated my request directly to an Escalation Specialist TWICE, still wo ZERO resolution. 

Issue 1 Flagstar took out a Hazard Insurance XXXX policy on my unit for {$1600.00} IN ERROR o This is a townhome and I cover studs in and have the XXXX contents insurance for that o There was no requirement for me to provide XXXX insurance ; according to at least 2 of the people I have spoken with in the past 3 months o Regardless I have TWICE sent in the proof that my XXXX did indeed have insurance for the whole time my loan has been with Flagstar Issue 2 Flagstar has scheduled my contents insurance that I pay directly to XXXX [ XXXX ] to be paid out of escrow o I pay this DIRECTLY to XXXX it DOES NOT GET PAID FROM ESCROW and should not be showing as projected to be paid from escrow

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 2021-12-14 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Today XX/XX/XXXX makes the XXXX time that XXXX has denied me a dedicated representative. XXXX XXXX is supposed to be my representative. On XX/XX/XXXX, he said that my investor, XXXX XXXX, had approved my loan modification and that my approval letter should arrive within a XXXX days. XXXX XXXX reached out to XXXX because I completed my trial modification and XXXX wanted me to do it again. 

However, instead of sending the modification approval letter. XXXX sent me a letter requiring me to go through another trial modification to give them time to come up with more schemes to do deny the modification. 

XXXX XXXX claims that his unnamed superiors are refusing provide the XXXX XXXX modification. So, I do not have a dedicated representative. 

I aske XXXX XXXX to name these people and he did not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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 2021-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: IN

Complaint narrative:
I have been making {$95.00} XXXX payments to my vehicle loan with US Bank since XX/XX/XXXX. The monthly payment is made in XXXX weeks. The XXXX payment should go to the principal. However US Bank keeps moving the payment date forward once the regular monthly payment has been paid instead of applying the additional funds to the principal. I contacted them on XX/XX/XXXX and stated my issue with them. Their response was that it was policy to move apply the payment to the next month once the monthly payment has been made. When I pointed out that what they are doing is stealing from me to maximize their profits they offered to adjust the previous months and rebalance the account with the additional principal payments applied. They did not do that. They moved my payment due date back from XX/XX/XXXX to XX/XX/XXXX without telling me and did not apply the additional principal payments accordingly! Now I'm going to have a late fee! 

Furthermore, US Bank doesn't show the payment breakdowns online, so you have no idea they're taking advantage of you! 

I don't make weekly payments because I have the extra money laying around. I make them because I am trying to pay off the loan as quickly as possible paying as little interest as possible. It is fair to ANY consumer to pay a loan this was and I pay all my loans and credit cards this way. What's unfair is that these banks take advantage of consumers by scraping every penny they can!

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 2021-12-14 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( 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 2021-12-14 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: PA

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: PA

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXXXXXX XXXX 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 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
On XX/XX/2021 I received an alert that I had a collection on my XXXX credit report ( XXXX point drop ). This was a surprise to me, I don't owe anything outstanding, nor have I received any correspondence from anyone stating that I do. The collection was from Credence Resource Management, stating that I allegedly owe {$690.00} to XXXX XXXX. I'm not a XXXX  nor am I strapped for cash. I am also very Credit conscious, as noted by my score and payment history. The biggest surprise was that this was placed on my credit report, never receiving any communication from XXXX or Credence. According to the FDCPA, as well as the FCRA, my consumer rights protect me from unfair and illegal collection and reporting practices. Now my rights have been stripped. An account like this appeared on my report last year, I called XXXX, they had no record of a balance and the account was disputed and removed for being non-valid. To make matters worse, I have not had an account with XXXX for almost five years, now this company has filed this alleged collection as new resulting in a larger drop in my credit score. This is a bullying tactic and unfair trade practices not done in good faith. I want my credit restored, and my rights back to resolve this matter within the scope of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: KY

Complaint narrative:
I applied for a loan at UPSTART company, then they asked me to provide the college degree. I provided my college certificate which was issued by original country XXXX, but the UPSTART said the XXXX XXXX XXXX education degree disqualified me from the loan. I felt I was doing something wrong providing my original national country which made feel a bitter type a very discriminatory treatment due to my national origin. I am planning to sue to this agency for their unclear and unjust treatment for while trying to get the simple loan. I am naturalized US citizen and admitted into XXXX and am still working to get my college degree from my XXXX  college in town. Please, advise what I need to do as I am clueless on how to deal or sue this company for their discriminatory treatment for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC
State: RI

Complaint narrative:
Hi This is XXXX XXXX and my account of Gemini financial got froze by myself due to unidentified login .now I have changed my password and want to unfrozen this, but I didn't get any reply from them to get this unfreeze.please help to unfreeze and withdraw my fund from there. 

Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC
State: MA

Complaint narrative:
CONSOLIDATED RECOVERY GROUP , LLC COMMITED MAIL FRAUD BY MAILING A FRAUDULENT " BILL '' TO MY PRIVATE MAILBOX. THE ACCOUNT WAS BOUGHT FROM XXXX XXXX XXXX. XXXX WAS MADE AWARE ON XX/XX/2021 THAT THIS WAS NOT MY BUSINESS, I WAS SIMPLY AN EMPLOYEE. I AM NOT THE RESPONSIBLE PARTY FOR THIS DEBT. MAIL FRAUD COMPLAINT HAS BEEN FILED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Personal Finance Center
State: GU

Complaint narrative:
notice of sale of mortgage was issued by Personal Finance Center, I approached the company and inquire if a payment plan could be done, the VP herself said that they don't do payment plans and the amount in arrears would have to be paid in full to stop the foreclosure or walk away from the house. I was never contacted by any loan officer from Personal Finance Center to offer any assistance or options for me to make payments, no notices were given, the only notice that I received was from their attorney informing me of a date and time for the sale of the house. Personal Finance Center did not afford me with any options to try and assist me in making payments, only to foreclose on the house.

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