vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN XXXX BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 


Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. 
I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. 
I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. 
I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act Pennymac LOAN - XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ant open end consumer credit plan as late for Any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: SC

Complaint narrative:
While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 2. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 3. XXXX XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: NY

Complaint narrative:
This morning ( XX/XX/XXXX ) I received an alert from my bank that my credit had fallen because I had a delinquent account. I checked my credit reports and found that I owed XXXX XXXX XXXX ~ {$11000.00}. When I called up XXXX XXXX XXXX they gave me information regarding an account I had with XXXX XXXX where XXXX XXXX XXXX XXXX XXXX 's were purchased under my name in XXXX. While XXXX XXXX XXXX had my correct social security number and date of birth the address and email address were incorrect. I called up XXXX and they are unable to find the account that XXXX XXXX XXXX gave me. XXXX XXXX XXXX stated that this account will be disputed but can take up to 60 days to be corrected on my credit report. However, I am currently in the process of purchasing a home and need it removed soon so that I may be able to complete the purchase. XXXX XXXX suggested that I file a report with CFPB to expedite the process since multiple phone calls and agents at XXXX XXXX were unable to locate this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have been a customer of USAuto Sales coming up on 3 years in XXXX of this year. I have made all of my payments from the date of purchase, as it is required or they will shut the vehicle off. I sent them a request advising I had my own insurance through XXXX XXXX so that they could stop charging me for insurance, however they denied my request so I was paying for insurance through them and my regular company. Thankfully I did, because the insurance they provided wasnt active. They recently went out of business and have transferred our contracts without any notice to us to a debt collection company, how can my loan be sent to a debt collection company when Im current on the loan. The new company will not honor my gap or warranty that was included at the time of purchase in my contract amount. My contract amount was for {$17000.00} when I originally signed and purchased my car almost 3 years ago. When I check it through the new company Westlake, they say my financed amount was over {$22000.00} and i owe {$18000.00}! This is upsetting. I have my original contract and all my payment receipts. Now they are threatening repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
EdFinancial is deliberately misappropriating my monies. I sent them a {$1000.00} money order and instead of applying it as a {$1000.00} payment to the desired group of loans, ( wherein one way to describe a " group '' of loans is a subset of your loans that has the the same interest rate in that subset, and that is a different interest rate than the loans outside that subset ) EdFinancial has applied it in the following fashion " XXXX '' to my three groups of loans. This applies too much money to my loan group with the lowest interest rate, which may or may not be 3.51 % at present or 3.76 % prior to an interest rate decrease which I am entitled to. The {$1000.00} payment should have been applied to my group of loans wherein the alleged " Original Balance '' ( from the perspective of a letter EdFinancial sent me just now ) is $ XXXX {$2500.00}. I was specific in many forms of communication with EdFinancial as to how to designate my money order including the letter in which my postal money order was enclosed, and even phone calls and emails, but EdFinancial pretended these communications and/or agreements and/or requests never happened and did not apply my {$1000.00} as it should have been. 

To make matters worse, EdFinancial didn't apply the {$70.00} payment to my account that they received by a banking or web method. To make matters even worse, EdFinancial didn't apply the {$8.00} payment to my account that they took from me by their webpage/web portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
BSI Financial failed to pay my property taxes from my Escrow account resulting in {$190.00} in late fees from XXXX XXXX. I had to submit the payment personally to XXXX XXXX even though I have an escrow account that is supposed to take care of Taxes and Insurance payments. Also my Home Owners Insurance has repeatedly submitted to BSI financial the Insurance Declaration Page and BSI Financial keeps on loosing it. I had to call XXXX XXXX and tell them to submit the Declaration page again. BSI Financial is an incompetent and costly institution that blames it's incompetency 's to its customers. I want my {$190.00} refunded. I've called BSI numerous times regarding this issue and they keep on avoiding me. I want to be removed from BSI financial and move to a different Mortgage processing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I received a text from Santander that stated the following : 'This is Santander Consumer : We may have a program available that could reduce your monthly payment by 25 %. Please call us at XXXX to see if you qualify. ' I contacted Santander at XXXX and spoke to XXXX ( ID # : XXXX ) who repeatedly threatened me with repossession of my vehicle. I repeatedly asked about the 25 % payment reduction program and was never told details, payment date requirements, nor what I needed to do specifically. I believe repossession was repeated to me at least 4 times which was what i intended to prevent by calling to make payment rearrangements. As the call was not progressing I asked to speak to a manager and was told none were available. I asked if a supervisor was able to call me back and was told that was not possible. I was then put on hold and then hung up on. XXXX also stated that he can not provide a corporate address to me. 

I am a single father who is impacted by Covid-19/Pandemic. My income has been reduced by approximately 40 %. We are living under the threat of eviction and I have been paying my rent plus an additional amount to my landlord as a result. I contacted Santander Consumer USA Inc in response to their reaching out to me via text regarding the 25 % payment reduction program which would allow me to resume payments. 

I was never given ample opportunity to discuss the program in detail, or to apply for the program. The representative ( XXXX XXXX appeared to be driven to obtain a payment as a performance metric primarily. This caused me and my humanity to be pushed aside in effort to oblige Santander Consumer USA Inc collection directives. I was told by representative 'XXXX XXXX on XX/XX/23 this morning that representative XXXX ' noted that I did not qualify for the program due to 'Insufficient Income ' and 'No Next Payment Date ' ; none of which was communicated to me nor discussed fully. The tools provided to the representative 'XXXX  XXXX, were NOT used to the extent of rendering the proper help/assistance available, for a ( an ) unknown reason ( s ).

I also spoke to Executive office representative, XXXX XXXX, ID # : XXXX, on XX/XX/23 at approximately XXXX XXXX who also confirmed that my 'ineligibility ' is noted falsely and in error as what was noted was not discussed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company
State: NY

Complaint narrative:
I was contacted by the Commercial Acceptance Company on XX/XX/23 for a debt owed by my stepdaughter. Then after not answering, the company proceeded called my wife and the representative left a voicemail.When we informed him it wasn't our debt and would look into it, he got more aggressive. Attached is a recording of the phone call where the agent became belligerent and we decided to hang up. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: VA

Complaint narrative:
We applied for temporary forbearance that was approved for XXXX, XXXX & XXXX. In XXXX we started the process to bring our loan current. Flagstar continuously rejected our application as incomplete because we didn't send XXXX months of bank statements for our rental income. I explained to them that we didn't start renting out the home until XXXX so I didn't have XXXX months of documents to send. Finally, I spoke to a supervisor in XXXX who told me all I needed to do was remove the rental income from the application. I'm not sure why I wasn't told this a lot sooner. 
I removed the rental income and resubmitted the application to Flagstar. They marked it as complete and said they had thirty days to review it. I asked if they could rush it since I started the process way back in XXXX. They said they would send a message to that department and see. I was contacted a week or so after that stating we needed to unfreeze our credit so they could check for any other debt on our credit report. I unfroze the reports while I had the rep on the phone and told her so. I only unfroze it for a day because I thought they would check it right away. I've called for status updates every week. Each time I was told the application was marked complete on XX/XX/XXXX and they have 30 days to finish it. 
My husband received a notification a couple days ago that Flagstar tried to run his credit but couldn't because it was frozen. I called them to find out what was going on because they NEVER call us when there's an issue. They just send letters via USPS telling us to call which just wastes precious time. The rep I spoke to said they needed us to unfreeze our credit and they need more documents regarding my husband 's income. I was furious!! 
I told them my husband is self-employed, which I stated on the application. I sent XXXX years of business tax returns when I originally submitted the application in XXXX. They said they had everything they needed on XX/XX/XXXX, now they're asking for more documents again. Documents that don't exist because my husband doesn't work a W2 job. I didn't list any W2 work on the application so I'm confused as to why they are requesting this. The rep asked me if I could upload the tax returns again anyway. I refused because when I log into my account and look at the documents I've submitted the tax returns are there. It's like they don't train the reps at all to be dealing with something so important.

At this point I asked where I could file a complaint against them because we are getting nowhere with Flagstar and I just want to get my account back to normal. I had to file for temporary forbearance with another mortgage company during COVID and the process was so easy! We've owned XXXX homes and Flagstar has been the absolute worst mortgage company we've ever dealt with!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XX/XX/XXXX which are FDCPA violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
Hello, I was between jobs and fell behind on my credit card payment. I made the payment to bring it current online, as the account was showing active and also allowed my to transfer into the account. On the app, it shows that the card even has an available balance. As I tried to use the card, it declined. I called and was told it was in a closed status and the card could not be re-opened. I feel that the statement and the mobile application is both deceiving and provides misinformation. The card shows open with an available balance and I brought it current to retain it. This is a poor practice and is very misleading. I want this card reopened as I was led to believe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: SC

Complaint narrative:
There are hard inquires ON ALL OF MY CREDIT REPORTS That I never authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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 asked for verification information on the verification process and details on how the information was verified as accurate. I also requested a timeliness for when the issue was resolved. I also requested details on how They verified the accuracy of said accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: TX

Complaint narrative:
I asked for verification information on the verification process and details on how the information was verified as accurate. I also requested a timeliness for when the issue was resolved. I also requested details on how They verified the accuracy of said accounts. 
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 non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
I have asked him on multiple occasions to send me an amortization of the loan payments. Request that the mortgage servicers of the loan ( multiple ) be investigated, since they can not provide me with detailed information and a breakdown of the items that are charging me in the total mortgage debt, the awarded payments, charges, legal expenses, among others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
My card is with Upgrade Financial. It is a XXXX XXXX. 

Back in XXXX my Bank account was hacked, and as a result Frozen. I have made payments to keep account up to date after Bank gave new account number. 

Upgrade told me they we goong ot reinstate card so long as they got the feed which states that all other accounts were current, which they have been. 

The lied several times in this regard. I have asked for customer manager to call me back but they have not. 

I need the credit privileges as the hacking was not my fault. 

Company fails to respond.

Company response to consumer: Closed with explanation