vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
My son 's dad passed away on XX/XX/2020 and we tried to make payments on his home equity loan for {$16000.00} and Fifth Third bank wouldn't accept any money. We obtained the " Letter of Office '' from our attorney and personal brought it to the bank, still they wouldn't accept any payments. We have two pages of notes showing all the action we took, but they wouldn't accept payments. Now they have an attorney who added an additional {$9900.00} fees to the loan and is trying to foreclose on the property. We have paid the homeowner 's insurance, some of the property taxes and maintained the property in order to sell. We have a buyer for the home, but the bank has a lien on the property, stopping us from selling and paying what we owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I wrote XXXX, XXXX, and Equifax credit reporting agencies via certified mail ; informing them of the inaccuracies they were reporting on my credit report. They failed to reply within 30 days so I sent them a follow up certified letter on XX/XX/2022 and still they did not address the inaccuracies they are reporting on my credit report. It is becoming very frustrating for me. These companies are reporting inaccurate information about my credit history and are giving me a very hard time in correcting their errors. I have attached copies of the letters for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I wrote Experian, XXXX, and XXXX credit reporting agencies via certified mail ; informing them of the inaccuracies they were reporting on my credit report. They failed to reply within 30 days so I sent them a follow up certified letter on XX/XX/2022 and still they did not address the inaccuracies they are reporting on my credit report. It is becoming very frustrating for me. These companies are reporting inaccurate information about my credit history and are giving me a very hard time in correcting their errors. I have attached copies of the letters for your records.

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 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: AR

Complaint narrative:
Pursuant to 15 usc 1692b TrueAccord is a 3rd-party debt collector they've stated I owe an alleged debt to XXXX. I've never done business with this company, but they are trying to acquire an alleged debt. 
I've never done business with neither company this alleged debt arise from. 
TrueAccord has repeatedly harassed me by email. I have 42 emails to be exact from this debt collector. 
Pursuant to 15 usc 1692f this is unfair unconscionable act this is also identity theft due to the fact that I've never done business with TrueAccord Pursuant to 15 usc 6802 XXXX has violated my rights by providing my personal information to TrueAccord Trueaccord is also in violation of 15 usc 1692c because I XXXX XXXX did not give TrueAccord my consent to communicate with me about alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: NJ

Complaint narrative:
I disputed account : XXXXXXXX XXXX XXXX Account # XXXX {$1100.00} Reported on Equifax ONLY and XXXXXXXX XXXX Account # XXXX {$110.00} Reported on XXXX ONLY Several times. I have NEVER lived at these addresses and this is fraud. After several disputes and myself contacting the company directly the company STILL refuses to send me any information about this account or the debt. Whenever I call they say they are processing this request. How long does it take to process a request more than 6 months, because I have been waiting since the beginning of XXXX for this proof and at this point my credit is suffering because the original creditor is still processing my request to send me any type of information in regards to this debt. Please Delete this account from my Equifax credit report IMMEDIATELY. It should NOT take 9 months to process a request to send me information. The mailing system is NOT that Delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: AL

Complaint narrative:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX  Account # 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 2022-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery continues to call and always uses a different phone number. The reps sit on the phone and don't speak. I want the harassing and scarey calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
LOANCARE LLC HAS MY CREDIT REPORT REPORTING INCORRECTLY. IN THE MIDST OF LOAN MODIFICATION THEY KEPT REPORTING LATES AND THIS IS NOT CORRECT. THIS HAS BEEN ADDRESSED SEVERAL TIMES AND WILLING TO SUE THEM FOR THESE ERRORS. I HAVE SERVED THIS COUNTRY AND THEY DON'T SERVE ME CORRECTLY. I AM SHOCKED WHEN I PULLED MY CREDIT AFTER GETTING DENIED THAT THIS WAS SHOWING THE WAY IT IS.

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 2022-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a checking account and savings account with this " bank '' in XXXX. In this process I established an verified an " external account '' in case I needed to withdraw any money. Yesterday, I set up an ACH transfer from this bank to my already vetted external account so that I could pay my estimated Federal Tax payment. Today ( one day after I set up the ACH ) someone calls me and tells me I need to send in my drivers license and a copy of account statement for the account to which the ACH would be delivered to. I did that. Next I do what they ask. A few minutes later they tell me that they will not honor my XXXX request as my husband 's name is primary and mine does not appear on the statement. To make matters worse, they removed the money from my account and they tell me that they will not be putting the money back into my account for 5-7 business days. I called XXXX XXXX  XXXX and spoke with a VP. She advised me that there is no requirement whatsoever for the names on an ACH transfer to be identical. So now these bandits have locked up {$25000.00} of my money for 5-7 days while they sit on my money. Another expample. Today I transferred money from savings to checking. The money comes out of my savings but is not put into my checking. Again they sit on your money. This is obviously some sort of gimmick for not paying interest on customer money. These folks ought not to be operating a bank. This is being operated more like a traveling carnival. This needs to be examined, investigated and dealt with

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Today is XX/XX/22. My name is XXXX XXXX and the account I want to make a complaint about is XXXX XXXX in the amount of {$200.00}. I have no knowledge of this account. I have been with another cellular service for 3-4 years. I called to speak with the company and they still want me to pay on a debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: AL

Complaint narrative:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXXXXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX  Account # 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 2022-09-14 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: AL

Complaint narrative:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXXXXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: SC

Complaint narrative:
reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My contact information is provided below and I have included proof ofI My identity. 

I contacted Equifax initially into the same probpem and they still are being fair and partial violating my rights. A proper reinvestigation was not done on my behalf and the items are neagtively affecting my credit health and i am unable to extend credit due to them not following federal laws. 
Instead of deleting the negative items that aren't mine, Equifax keeps sending me the same letters in the mail. I have several letters of the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I have a lender that took advantage of me as a young man. They got into a high interest rate that compounded daily before I even understood what that meant to help a friend. They did so because the dealership convinced myself and my friend that I was able to be the primary and he would be able to refinance it without me without my help. Needless to say the coborrower is late on their payments and has been for the entirety of the loan leave they refuse to give it up the truck and last I heard santander sold the vehicle or sold the debt. When I heard about this I began looking into into if it was true and found out about a lawsuit with the XXXX towards them for predatory lending. When I brought this up the other chat system they changed it on my credit report from a from a charge-off bad debt back to showing a high balance. Which is inaccurate because they have also sent me a letter telling me that I could pay a portion of that and and settle. I recently spoke with a financial adviser who told me that that was not allowed and that because they have it on my report wrong they are forced to remove it. They also advise that I contact a lawyer as as the situation sounds like the lender trying to pull a fast one for anyone catches them. The lender in question is santander consumer USA who is in the middle of a multi state lawsuit for the same practices being done on me. I would like to know if there is anything I can do to get this off my credit report and get these people to leave me alone because they have harassed me for years despite me telling them over and over again that I do not possess the vehicle. They also make neglected to inform me of the lawsuit they are currently under and I believe they are trying to use the fact that they never had my contact info on there as a way of getting out of responsibility of that. As the coborrower chose to leave a address they have not lived at XXXX a number of years on the account. Meaning that any mail regarding the situation would have gone to that house, effectively guaranteeing I would have never heard about it. Though this did not stop them from harassing me relentlessly whether I was at work school or indisposed. There was a period of time last year or the year before where my phone went off every day. [ XXXX approx ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I purchased {$400.00} of XXXX ( XXXX ) using the Venmo app. I accidentally purchased on there thinking it was XXXX. A few days later when I realized the error I tried to sell it to convert to cash. When I am prompted on a screen to enter my SSN # then hit " done '', I receive a blank screen and nothing else. 

I uninstalled and reinstalled app, tried using on someone else 's phone but to no avail. I reported the issue on XX/XX/XXXX and on XX/XX/XXXX I rec 'd an email suggesting I perform a bunch of steps to see if it helped. I tried and again, nothing. When I wrote back I provided screen shots, details of every action step taken etc. I was finally told there may be a bug. I have written three times since and have NOT REC 'D A REPLY. Today, ( XX/XX/XXXX ) I called and was told it's a known issue w/no ETA on a fix. 

I explained I have since lost {$70.00} since the time I tried to sell and today. They told me there is nothing they can do, period. This is INEXCUSABLE they've known about this issue for months ( I was told ) and don't have a solution!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I'm trying to repair my credit karma and they told me thru there app that I had an EXCELLENT CHANCE OF getting secured credit card from XXXX XXXXXXXX to help and assist with building my credit which I was turned down for and it hurt my credit and put me in a worst place it was FALSE ADVERTISING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act : : XXXX XXXX INQUIRY DATE XX/XX/2020, FRAUD REMOVE XXXX XXXXXX/XX/2020 FRAUD REMOVE US DEPT ED acct # XXXX FRAUD REMOVE US DEPT ED acct # XXXX, FRAUD REMOVE DEPTEDXXXX acct # XXXX, FRAUD REMOVE XXXX XXXX  acct # XXXXFRAUD REMOVE, DEPTEDXXXX acct # XXXX FRAUD REMOVE 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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I applied for a 30-year fixed loan at 3.875 % interest rate on XX/XX/2021 with XXXX XXXX XXXX XXXX # XXXX ) with Ameris Bank and was told by him that we needed to pay 1 % of the loan amount ( {$3000.00} ) to " lock in the rate ''. XXXX told me numerous times over the phone that it would be 100 % refundable. I asked him to send me an email stating that so I could be reassured it was refundable before sending over the wire. He sent over an email stating that the " upfront fee is refunded '' which he highlighted and with that confirmation, I sent over the wire of {$3000.00} that he requested for the " FLOAT/LOCK RATE ''. Unfortunately, my circumstances changed and I no longer wanted to go through with the loan. I asked XXXX XXXX and Ameris Bank numerous times for the refund that I had been promised both orally and in writing and they refused to provide me with the promised refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TX

Complaint narrative:
Ive sent MULTIPLE letters to this bureau and Ive requested multiple times to show me hard proof of any signed documents that I physically signed. According to 15 USC Chapter 41, that is required by the bureau when requested. I dont agree with any third party verification or the E-Oscar system. Nothing involving me and my credit report should EVER be verified through any software. I am asking for hard proof, if not. This should be deleted. Ive attached all the letters Ive sent requesting the HARD PROOF VERIFICATION, not any verification through any software, third party verification, and/or E-OSCAR!

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 2022-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIRST PRIORITY MORTGAGE, INC.
State: NY

Complaint narrative:
Yes, I did submit a complaint. However, I did not submit enough details. I was sold the home " as is ''. However, a disclosure statement was never provided that included noting a dangerous carbon monoxide leak in the gas fireplace, open electrical circuit boxes, lead paint. The seller was XXXX XXXX XXXX. Also, First Priority Mortgage, who sold the mortgage the day after it closed to XXXX XXXXXXXX XXXX, did not inform me of my rights to a disclosure statement, nor its importance, and I have none which I have requested. The FHA inspector noted several of these issues -- no handrails, open circuit boxes, broken windows. The appraiser gave a very low appraisal, which my buyer 's agent XXXX who works at XXXX XXXX in XXXX was shocked by. For this reason, the FHA allowed only payment for an exterior paint and minor fix of the sagging exterior portico. All I was told was to wrap the asbestos pipes with mylar, which my then husband did. And that was all I did. I did not hire any contractors. That is a lie. It actually took 8 months to even close on the mortgage. Is there no recourse here? 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation