vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
My home was adjusted as a total loss to XXXX XXXX by XXXX XXXX through the XXXX. The claims checks are sent made out to ourselves and our loan servicer Flagstar Bank. Flagstar bank because my loan servicer after I closed on a refinance agreement with XXXX XXXX in XXXX. Flagstar bank requires that the insurance checks be sent to them where they hold them in escrow and then release on a schedule they see fit based on their own inspections determining that appropriate repairs have been completed on the home. We were required to sign a repair affidavit certifying we would use the funds to repair the home and submit all insurance XXXX paperwork to them to manage our claim. The insurance company has paid out {$220000.00} so far since XX/XX/XXXX and our home was completely gutted and ready for rebuild by XX/XX/XXXX. Flagstar bank however has only released {$40000.00} of these funds so far with another {$30000.00} expected to come by the end of XXXX. We are at a point where if we do not have access to all or most of the funds we will not be able to hire the contractors necessary to finish rebuilding our home. I can not find anything in my loan closing documents that shows I agreed to insurance claims being managed in this way with an escrow account, a long waiting period for release, and inspections done by inspectors hired by the loan servicer. XXXX claims it has federal authority to manage the claim this way, however I can not find any information in my documents that point out that governing statute or federal guideline. I also can not find anything in my loan documents that show I agreed to insurance claim management to be handled in this way. I understand a lender needs to protect its investment but I am concerned this servicer may be making money by holding money in escrow for an unnecccessary amount of time rather than releasing funds to homeowners to get repairs done quickly and efficiently. XXXX has not been able to show me in my documents or with specifics what gives them the ability to manage my claim this way. Thanks for looking into this for me.

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 2022-11-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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.

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax continues to show an inaccurate address, where I never lived : XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, Md. XXXX. I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I would like to appeal this result and see no way to do that through your website, which is why I reached out to the CFPB. 

Per federal guidelines, I am requesting this credit because of false advertising. I have a credit slip and I have lots of documentation. Bad service and service not rendered are eligible reasons to dispute a charge, even though I willingly made the purchase. The Fair Credit Billing Act gives me the right to dispute charges in case I am dissatisfied with the transaction through a process called Claims and Defenses. I contacted the merchant multiple times ( as shown in my evidence ) and we were unable to come up with a reasonable resolution, which is when I reached out to you at Citi. I attempted to resolve the issue over several days in good faith, she offered me only my security deposit back ( which I was already entitled to, less {$50.00} for a damaged pillowcase that I didn't know about ) despite the fact that the pool and hot tub did not work for the entirety of our stay ( among other things ). 

There was no way for me to know the home was in disrepair until I stayed in the home- I even purchased two extra nights in an effort to avoid something like this and to give the owner ample time to fix the issue. She did not. I'm surprised that as my credit card servicer, that you aren't on my side here. 

I have also submitted complaints to the attorney general in Arizona and Texas ( where the businesses are registered ) and the XXXX  in an effort to try to resolve this reasonably with the merchant and they have refused to respond. 

So again, there is no clear way to appeal, and I would like to appeal immediately. 

Thanks, 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 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-21 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: MD

Complaint narrative:
In XXXX of XXXX, my student loan was transferred from XXXX XXXX XXXX and Resources ( XXXX ) to EdFinancial. Since the student loan pause went into effect on XX/XX/XXXX, I made payments totaling {$5400.00} to XXXX. After the loan was transferred I made payments totaling {$590.00} to EdFinancial. On XX/XX/XXXX I called EdFinancial and requested a refund on all payments I made during the student loan pause. I specified to the representative that I wanted a refund on the payments I made to edFinancial and XXXX. I was assured that I would receive a refund for all payments made since the pause. On XX/XX/XXXX, I received XXXX XXXX XXXX XXXX checks totaling {$590.00}, reflecting every payment I made while my loan was serviced by EdFinancial. My student loan balance on the EdFinancial website and XXXX was updated to reflect this. On XX/XX/XXXX I called EdFinancial to ask about the refund for the payments made to XXXX. I spoke on the phone with XXXX and she said she would put in a refund request specifically for the payments made to XXXX. It was unclear if a refund request for the XXXX payments had or had not been made when I initially called on XX/XX/XXXX. XXXX could not give me a timeline on when I would receive the refund on the XXXX payments. As of now ( XX/XX/XXXX ) I have not received any refund and my student loan balance has not been updated. On XX/XX/XXXX I submitted an application for student loan debt relief. I received an email today ( XX/XX/XXXX ) that my student loan forgiveness application has been approved and sent to my loan servicer. But again, my student loan balance has not been updated to include the {$5400.00} of payments made to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: Self Financial Inc.
State: OH

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

Account Name : ( XXXX XXXX XXXX  ) Account # XXXX, hasviolated my rights. 

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 an 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
i having been trying and asking SPS for a loan modification or short sale for sometime in order to avoid a foreclosure on my record, but they have refuse to allow me to do XXXX or the other the property is listed for sale and my realtor is trying to sale the home but unless the lender allows the loss mitigation the property will not sale because the balance to pay off the loan far exceeds the value of the home and SPS is fully aware of this fact, they just want to foreclose on the house, in accordance with the CA homerowners bill of rights i should be able to get some type of assistance in order to avoid foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NH

Complaint narrative:
I received a phone call-in XX/XX/XXXX. Waited for a collection notice letter never received one. I then have sent two letters out certified mail one on XX/XX/XXXX and another on XX/XX/XXXX and still have not heard a word from the collection agency verifying the debt.

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 2022-11-21 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: LEXISNEXIS
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
In late XX/XX/XXXX, I received alert about several hard inquiries on my credit report. I called all companies on my report at that time to report fraud and those hard inquiries have since been removed. Most of the accounts failed approval because they could not complete proper documents to get approval. 

Two days ago XX/XX/XXXX, I noticed a significant drop on my credit score provided with my credit card statement. It turns out this was secondary to a delinquent account with XXXX XXXX that was sent to collected via CREDIT SYSTEMS. Apparently an account USING MY SOCIAL was opened XX/XX/XXXX and closed in XXXX of XXXX. There is not a balance of {$360.00} unpaid. This was done in XXXX. TX, where I have never lived and where I have no family/associates. 

While looking at my experian credit report, I also noticed 4 hard inquires for which I am not responsible. One was with XXXX, one with XXXX  XXXX, one with XXXX and one with XXXX. I did not apply for any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I wrote XXXX on XX/XX/2022 and they responded with a letter that asked to verify my identity which I did on XX/XX/XXXX. I rewrote them on XX/XX/XXXX asking they remedy the situation. I asked they send a copy of the original contract and correct the negligence they've posted on my credit report in addition to sending a check for all their negligent reporting on my credit reports. Why does the CFPB have a website that is supposed to help me mediate and or completely rectify these wrong doings if they get to continue their bad business practices?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 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: MD

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
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 explanation
Consumer complaint received 2022-11-21 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: CA

Complaint narrative:
Hard inquiries are not authorized per ; 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate. 

Please remove hard inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: CA

Complaint narrative:
Hard inquiries are not authorized per ; 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate. 

Please remove hard inquiries listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
15 USC 1681 Section a Section 1 Section a : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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 an account without my written instructions. 

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

11 USC 362 Section c Section 3 : XXXX XXXX Bankruptcies must be dismissed.

15 USC 1681 Section b Requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

18 USC 894 : Using unlawful extortionate means is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 U.S.C 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 XXXXXXXX has violated my rights. 15 U.S.C. 1681 Section 602 A.States I have 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 7years. 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 know or has reasonable cause to believe that the information is accurate.

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