vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: MA

Complaint narrative:
My parents are trying to close on a loan for a condo. My parents are elderly and XXXX. The broker who was supposed to do it for us is doing things that don't make any sense for us. My parents are qualified for a loan but the broker kept pushing the date for closing back without giving us any explanation why. We contacted the bank that qualified us for the loan but they can't give us a straight answer as to why this is happening. Since XXXX the broker would give us a closing date only to change the date on us without any explanation. We're in the the process for too long to start over but we need a solution. We need help on what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
This Barclays account is no longer past due or in a charge-off status. This account has been paid in full. Barclays has failed to report my on time payments to XXXX that were made made on this account from XX/XX/2022 XX/XX/2022 as proven by the attached evidence of my payments on the account. Also, see the previous dispute letters that I have sent to Barclays in an attempt to resolve the matter. 

Barclays responded with a letter dated XX/XX/2022 and AGREED TO REMOVE this inaccurate and incomplete payment account history from my XXXX credit report. See attached letter dated XX/XX/2022 from Barclays. 

As of XX/XX/2022, Barclays has not removed or updated this discrepant payment history from my XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
I've been calling and chatting almost daily since the first week of XXXX trying to get information about payments. I'm being approved for the Homeowner Assistance funds for XXXX futures mortgage payments. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. XXXX sent a batch check # XXXX on XX/XX/2022 for {$11000.00} of which {$1900.00} were to apply for my monthly payment. As of today nothing is apply in my account. All the times I have called or chatted they say that nothing has been registered in my account and that it is impossible for them to know if the check arrived. Also another check # XXXX was send on XX/XX/2022 and to this day nothing also.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I used credit karma many times and applied for credit cards trying to build my credit with cards the showed my I had high chance of approvals and was denied multiple times because of inaccurate information. I would have never applied to these cards had I known I would of been denied and it hurt my credit score even more

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AR

Complaint narrative:
I was sent to collections with Hunter Warfield for a huge amount not owed. 

They are trying to charge me with : {$750.00} for cleaning costs for damage *not* done to a property even though I'd already paid a {$500.00} security deposit to cover those costs when I moved in {$990.00} for a month I didn't even *live* on the property and I'd given notice to vacate after an armed burglary on the property which forced me to move. 

I sent the company the documents showing the police report and notice to vacate, as well as the account ledger. 

They are now trying to get me to pay just the {$750.00} for cleaning costs that shouldn't have even been applied to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: IL

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency.

They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This has cause me great XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
USAA has misrepresented balance and chraged a NSF from account. NSF serves no purpose and no action was taken from USAA, meaning this fee is a means to extort money from veterans and service members for no service rendered. I had a charge for {$30.00} on XX/XX/XXXX the balance at XXXX reflected more than the charge but a NSF was refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING. 











I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING. 

I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Kikoff Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX Kikoff Lending LLC # XXXX Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FU
RNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING.

I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING. 

I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-13 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone 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 non-monetary relief
Consumer complaint received 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
2 problems : 1 - Ally has repeatedly failed to send me a new debit card linked to my XXXX account as I requested. I had disputed a transaction so they cancelled my debit card ( without telling me ) and supposedly sent me a new debit card ( also without telling me ). When my old debit card didn't work, they said they had sent me a new card a month ago, but I never received it, so they cancelled it. And they said that they were sending me another debit card on XX/XX/XXXX- but it's been over two weeks and I haven't received it. I sent a message through Ally web site but they ignored it. 

2 - I asked ( through Ally web site ) about a retirement account XXXX and they said that I don't have such an account number- but that's the number I see when I log in. I sent them a message and screen shot through Ally web site on XX/XX/XXXX asking about the XXXX account, but Ally never answered. On XX/XX/XXXX I sent Ally another message telling them to quit ignoring me and answer my question of XX/XX/XXXX - that was a week ago and they have not answered.

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 2022-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
This has cause me great anxiety, stress, and financial hardship.

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 2022-09-13 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: IL

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX  XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. 
This has cause me great anxiety, stress, and financial hardship.

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 2022-09-13 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: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone 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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: UT

Complaint narrative:
We are trying to refinance our mortgage. When we first started our application we found an error on one of the credit reporting agencies. We submitted a dispute immediately. We were told if we provided copies of all relevant information we could get around the error. We provided all the court documents. Complete with the right and correct information. We provided the phone number and contact agent for the court to verify the error. We have provided all legal documentation to resolve this error. Now 35 days later when we are ready to close our loan and get it funded. The underwriter refuses to except our legal verified court documents proving the error. And is refusing to move forward until the credit reporting agency has it corrected. We have contacted them 6 disputes! They keep reporting the information incorrectly. They have incorrect docket number and discharge date for a bankruptcy. They say they verify the records through a third party vendor. XXXX. We have contacted them and they have the correct information now. But XXXX still wont fix this error!! We were promised when we began this process this error would not be a problem. Then at the very final stage the underwriter wont except prof fro the US BANKRUPTCY COURT XXXX XXXX UTAH. Give full prof of the error.Dont understand why Legal Court documentation is not acceptable to override the error? Seems like the underwriter does not take legal binding documents as prof!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: GA

Complaint narrative:
EdFinancial Services are failing to provide any confirmation of the refund process and are not providing a timeline of the process. 
Other services are providing direct communications with confirmations and having the loans refund process finish within 72 hours and have the loan balance reflect the correct amount in their account. 
EdFinancial can not provide the similar service and are not providing adequate reasons on why they can't provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
On XX/XX/2022 we submitted a payoff of the mortgage via wire transfer on behalf of the borrower in the exact amount provided by the mortgage company SPS, Select Portfolio Servicing , Inc . The good thru date of the payoff was XX/XX/2022. On XX/XX/2022, we received the wire back from SPS. When we called to find out why it was sent back we were told that the payoff was " short. '' They never reached out to us via email or phone ( our phone number was included on the wire confirmation ). They claim they called the borrower a few times, but admitted to never reaching out to us. We accrued almost 2 months of interest because of their lack of communication. When I spoke to a supervisor about it, he said it was " weird '' and was of no help. I believe SPS did this to make more money on the daily interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation