vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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:
Creditor : XXXXXXXX XXXX  XXXX Account : XXXX In accordance with the Fair Credit Act XXXX  Account has # XXXX has violated 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 consent.

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 2022-03-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below 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.

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 2022-03-30 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: LD Holdings Group, LLC
State: OR

Complaint narrative:
I applied for a mortgage with Loan Depot on XX/XX/2022 with a loan officer named XXXX XXXX ( XXXX XXXXXXXX ). I authorized a credit report pull on this day and the loan officer completed the credit report pull on this day. On XX/XX/2022, the loan officer discovered that I was shopping around, and pulled my credit report XXXX more times ( in the same day ) to deliberately lower my score so that no other lenders could help me. Between XX/XX/2022 and XX/XX/2022, my score XXXX score dropped XXXX points with no other changes to my credit report other than the inquiries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: MD

Complaint narrative:
I received numerous emails and subsequently a debit card in the mail that I did not apply for under my previous married name for unemployment benefits through the XXXX XXXX. I have called the US Bank number provided on the card and had the card de-activated but wanted to make you aware of the situation in case this is a broader hit to numerous consumers.US Bank number provided on card is XXXX Credit allowed {$40000.00}. Credit card mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. If you require additional information, you can contact me at XXXX. I was also insistent on not providing them with my SS #, as they requested.

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 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: WI

Complaint narrative:
Last XXXX I contacted XXXX and informed them that on XX/XX/2020, the debt they had assigned to yet another debt collector had been assigned as part of my divorce settlement to my ex-husband as his debt. I provided the collector with a copy of the divorce decree via certified mail and they lost it in XXXX XXXX XXXX. The debt continues to be placed from agency to agency to keep it new and hitting my credit. I have told them not to contact me and that I was not responsible for the debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
It is difficult to get through and speak to someone to have them correct this information. This false info can affect my score

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 2022-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I submitted a complaint with XXXX last XXXX XXXX XXXX about the inquiry that they made into my credit report. The XXXX responded with a letter that they obtained inquiry with my permission that the Loan depot gave to them. The loan depot agent told me that this is only a soft pull and not a hard pull since this is just a verification and once we move forward with the loan they will do a " hard pull '' Unfortunately they were not able to qualify me for the loan and left damage to my credit by leaving that hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Amount : {$1700.00} XXXX Placed For Collection : XX/XX/2021 Date Updated : XX/XX/2021 I demanded Commonwealth Financial Systems to provide me with validation of the debt to include the signed contract between me, XXXX XXXX XXXX and Commonwealth Financial Systems which claim to be collecting and a complete accounting of all charges and credits concerning the account from the time it was opened. 

I also asked them to provide me with the signed contract between Commonwealth Financial Systems and the " original creditor '', XXXX XXXX XXXX XXXX which Commonwealth Financial Systems are collecting on behalf of, if they, Commonwealth Financial Systems have been hired to collect it for someone else.

I informed them that if they did not provide proof or the existence of the debt and their authority to collect it within the next 30 days or have it removed entirely from my credit file with all three credit bureaus, that I may file a claim against them in state court under the laws of Arizona, or the FDCPA, for damages against me related to their fraudulent reporting of the debt to one or more credit bureaus. 

Commonwealth Financial Systems failed to provide proof of the existence of the debt and failed to remove it from my credit file with all three credit bureaus within the 30-day time frame, therefore I wish to file a claim with FDCPA.

Commonwealth Financial Systems bought this debt from a previous debt collection agency which had removed the debt from my credit file after receiving a letter from me with the same requests. 

Signed XXXX XXXX XXXX Without prejudice UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On numerous occasions American Express denied me credit and that's a violation of the equal opportunity credit act ( ECOA ). I gave American Express my social security number and I didn't get just compensation. This has been going on since XXXX to XXXX and I have evidence of this discrimination that I will provide. The equal credit opportunity act say that American Express can't make a decision base on my ability to pay back and that's just what they did.The Equal Credit Opportunity Act ( ECOA ) is federal civil rights law that prevents lenders from discriminating against credit applicants based on factors unrelated to their ability to repay. I have been discriminated against and American Express needs to remedy these situations ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I have a small account with Coinbase. All I want is a phone number and address to keep in my files in case I go under a bus and my children need to close the account. I tried 5 times through their website, but they clearly rely solely on automated answers and never provided. This should not require a government complaint ( which I also mentioned in my last message, hoping that might elicit a real answer ). I understand the staff is remote, but so am I, yet my employer ( XXXX XXXX XXXX ) still has a phone and address. Hiding from customers is not a good look.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 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: CORELOGIC INC
State: OR

Complaint narrative:
I applied for a mortgage with XXXX XXXX on XX/XX/2022 with a loan officer named XXXX XXXX ( XXXX  XXXX ). I authorized a credit report pull on this day and the loan officer completed the credit report pull on this day. On XX/XX/2022, the loan officer discovered that I was shopping around, and pulled my credit report XXXX more times ( in the same day ) to deliberately lower my score so that no other lenders could help me. Between XX/XX/2022 and XX/XX/2022, my score XXXX score dropped XXXX points with no other changes to my credit report other than the inquiries in question.

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 2022-03-30 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-30 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: OK

Complaint narrative:
Inquries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX In accordance to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquIries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C. 1681 section 602 A States I have the right to privacy.

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 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
We just moved into a new home and immediately had issues with Amerihome Mortgage ( XXXX ) on getting set up on auto pay. They told us we had to make the payment over the phone and let it process in a few days at which we can apply for auto pay at which point I did. Come to find out that the agent didn't process the correct payment and even thought the auto pay is currently set under my online portal as they have my account and routing info to pull the payment they not only didn't call me stating I had a block call which was not true I asked not to be called regarding any telemarketing only account related items. So now my sterling record has taken a XXXX point hit and they are giving me the run around and apologize. As of today my payment with them are up to date but they need to process a credit deletion report for the error of not processing the correct payment over the phone and not ensuring the auto pay was set up correctly the second time causing my account to go to delinquent status as attached but the auto pay still being on. 

Confirmation Code for payment : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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:
Creditor : XXXXXXXX XXXXK XXXX Account : XXXX In accordance with the Fair Credit Act XXXX  Account has # XXXX has violated 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
Huntington Bank Credit Card Account number ending in XXXX - cardmember is an authorized user Dispute case reference number XXXX Transaction on XX/XX/2022 for {$110.00} with merchant XXXX flight cancelled no refund provided. 
Unable to resolve with merchant Disputed transaction with Huntington Sent documentation to support claim. 
Huntington says they didn't get the documentation Denied claim Huntington is engaging in unfair and deceptive practices. 
Pretends they did not receive the documentation I sent so they could decline the claim. 
Tried to call Huntington- has 45 minute to 1 hour wait time - making it impossible to speak with a representative to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
CEASE AND DESIST I am writing to inform Truist Bank that I am making every effort to pay my mortgage. It is a simple interest loan and there is no prepayment penalty. 

Per my statement dated XX/XX/XXXX, my account balance was {$110000.00}. I submitted a payment on XX/XX/XXXX for {$110000.00} in XXXX separate payments of {$99000.00} and {$12000.00}. I purposefully paid this amount because I did not know when this would be credited to my account and I am aware that mortgages are paid in arrears. Meaning : I would owe additional money for the interest accrued until the payment was received. This would have been paid upon Truist receiving my XXXX or XXXX payment of {$850.00} depending on how this was credited to my account. They would then refund the difference. It is simple math. 

The calculation for interest owed was {$110000.00} x XXXX = {$15.00} per day. As an example, if I paid the balance on XX/XX/XXXX, 18 days of interest is equivalent to {$270.00}. Since my payment on XX/XX/XXXX was {$54.00} higher than the balance owed. This number should be subtracted from the interest due for a balance of {$220.00} ( plus interest until paid in full ). 

On XX/XX/XXXX, I returned Truist 's check of {$99000.00} to my branch on XXXX XXXX, XXXX SC. It was directed to my mortgage at this location. 

I will not pay anything additional to my mortgage except the interest due after the original {$99000.00} payment received date of XX/XX/XXXX. I have made every effort to pay Truist Bank {$99000.00} and you have willingly returned my payments. If the XX/XX/XXXX payment to my mortgage through the branch is refused, I will deposit these funds with XXXX XXXX XXXX  and I expect a loan satisfaction letter from Truist Bank. 

Finally, I will not pay a recording fee for {$10.00} as this was never disclosed during my loan application. 

This is final effort for your understanding

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 2022-03-30 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: AR

Complaint narrative:
I am a victim of identity theft. I have requested to the bureaus on numerous occasions to remove these items from my credit reports. I am demanding to see a signature or contract for these items. If neither can be produced then I want these fraudulent items removed immediately.

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 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
I received a statement from Truist ( brand name for merger of Suntrust & BB & T ) dated XX/XX/XXXX for an auto loan I had with Suntrust. 

1.Customer Service gave me a phone number that is located in XXXX XXXX XXXX I think the service number I called ( XXXX or XXXXthat was the number in my coupon book ) went to a scammer. 

2.Balance is incorrect. There is a discrepancy of {XXXX}. I only want to owe what I signed up for before the merger. 

The " Previous Statement Balance '' on the first statement I received from Truist does not match the outstanding balance in the loan transaction history listed on the second page of the statement. 
The transaction history indicates the outstanding balance on my car loan to be {XXXX}. This was confirmed per my call to Suntrust automated help line on XX/XX/XXXX at approximately XXXX. The Truist statement indicates a balance of {XXXX} which is incorrect or is due to them charging fees that were never disclosed. 
3. My loan number was changed which does not follow online information regarding the merger.

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 2022-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: AR

Complaint narrative:
My student loan servicer is FedLoan Servicing. I am enrolled in an income driven/based repayment plan and XXXX XXXX XXXX XXXX XXXX XXXX I submitted my XXXX  request on XX/XX/XXXX and my repayement recalculation/monthly payment letter was received on XX/XX/XXXX and was calculated at {$900.00}. My wife and I are both enrolled in XXXX and XXXX plans. She found out that on XX/XX/XXXX her pay would be dropped by 20 %. We have XXXX children in daycare. On XX/XX/XXXX I submitted the paperwork to have my monthly payment recalculated as our total income had gone down and we both have student loan payments each month. On XX/XX/XXXX I received my recalculation letter and payment had infact went up to {$1300.00}. The following day XX/XX/XXXX I received another recalculation letter stating my monthly payment had gone up again to {$1400.00}. The same day ( XX/XX/XXXX ) I again submitted my paperwork to have my monthly payment recalculated because clearly mistakes were being made. On XX/XX/XXXX I received an e-mail notification that my recalculation request had been denied, but they would send a letter detailing why my request had been denied. This is the second time I've had to file a complaint against FedLoan Servicing due to mismanagement, poor communication, and for all around being a terrible loan servicer.

Company response to consumer: Closed with non-monetary relief