vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Today i Tried to Remove unauthorized inquires from my Equifax Report and they would not let me remove them. 
Inquires 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 2022-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
My mortgage company is BSI Financial. I had signed up for forbearance initially when COVID started and my wife lost her job. After 6 months of the forbearance plan I have called over and over again to get it resolved and start paying again ; I have only spoken with 1 point of contact that said underwriting was still doing the loan modification and not to worry. I have still called multiple times a month and we now received a letter from mortgage company that they are going to foreclose on the home. I have a point of contact extension that everytime I call goes to XXXX. 
I call customer service and they say they cant help and transfer me to point of contact which goes to XXXX. I have been able to make mortgage payments at the end of the 6 months but it is now 533+ days delinquent with no one to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a second mortgage through Huntington Bank, and it matured in XX/XX/XXXX. The agreed upon note, signed by both the bank and I, states {$40000.00} financed with total interest to be {$28000.00} to be paid back in XXXX installments of {$370.00}. I made my XXXX payment in XXXX, but Huntington states I still owe {$2900.00}. I have not been late, nor have I missed a payment, and I pay electronically by the XXXX  or XXXX of every month. 
I've been trying to get this rectified since XX/XX/XXXX by visiting my local Huntington branch multiple times, and have been told a research team would look into the matter ; they haven't. I have given them copies of my proof-of-payments, asked for why I should have 7.6 more payments after I fulfilled my payments on the mortgage, and have not received an answer of XX/XX/XXXX. I called customer service twice on XX/XX/XXXX, the second time got a hold of a supervisor who told me she'd send emails to start an investigation and notify the consumer advocacy wing of their company. I called again on the XX/XX/XXXX, XXXX, XXXX, and on XX/XX/XXXX. The call on the XXXX a supervisor told me she would " raise the level '' of the complaint and was surprised no one had contacted me since the last investigation. I did ask for an amortization schedule on both the XXXX and XXXX mortgages twice now ; I've received neither. Huntington did send some transactions for the first mortgage from XXXX to XXXX, and on the second mortgage transactions for XX/XX/XXXX to XX/XX/XXXX. The second mortgage transaction show XXXX misapplication reversed payments, XXXX late charges ( wasn't late ), and an escrow deposit ( I have no escrow with the 2nd mortgage ). Moreover ; my principle is the same on XX/XX/XXXX as it is on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
tried to open a Chase bank account have nothing on XXXX was denied when gave correct name adress liscence info bday date ss number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a letter from a credit card company for a card I never applied for from Comenity Bank. I called the number listed on the letter to tell the company I hadnt applied for the card. The number was XXXX. I verified some information on the phone. The woman on the phone said I was a victim of identify theft and said they would report the incident to the credit bureau. I am now unsure if the letter was legitimate or if was to get my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 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: DE

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. 

XXXX Account # 's 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 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 2022-05-31 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: DE

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. 

XXXX  Account # 's 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 2022-05-31 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX. and XXXXXXXX XXXX have violated my rights. 

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

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

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

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 2022-06-01 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: TX

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX, Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Feldman & Stern, LLC
State: FL

Complaint narrative:
This debt collector is calling my family as well as people outside my family making menacing comments saying they need to tell me to call their law firm immediately. Attempting to portray my situation as a legal or criminal bind. It is embarrassing the amount of people they've contacted over this matter. Also at one point made comments stating how would it look working at a bank and them knowing I have this debt. As if to threaten my work if I don't communicate with them about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
I originally received pre-approval for a mortgage on XX/XX/XXXX and submitted a loan estimate from a competing lender on XX/XX/XXXX which better.com was unable to match or beat. Additionally, Better.com advertises a " Better Price Guarantee ''. Upon speaking to the loan officer, XXXX XXXX, I was told that they need to receive the closing disclosure before the {$100.00} could be disbursed. I reached back out in XXXX ( correspondence included ) XXXX to follow-up on the payment. Better.com still has not provided me with the {$100.00} payment. 

https : //better.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have tried several of time to work with Westlake financial a my car loan. I have a car loan with a interest rate of 23 %. I have even tried to pay my principal balance down to help pay my car note off and they will not work with me. I have also tried to refinance this car with serval other lenders and they will not refinance because it is a XXXX XXXX XXXX. Due to the year of the car and mileage i am unable to refinance. I have paid XXXX on the car and the car payment has went back up in the last year. Westlake is ripping me off tremendously.

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 2022-05-31 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: CO

Complaint narrative:
TransUnion is in violation of the following Consumer protection laws under Title 15 of the U.S. Code ; on Tuesday XX/XX/2022 TransUnion was provided with a Notice of Fault / Affidavit of Truth in regards to the following violations. 

Title 15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) 2 Counts Title 15 U.S. Code 1681 ( 2 ) 1 Count Title 15 U.S. Code 1681 ( 4 ) 1 Count Title 15 U.S. Code 1681a ( 2 ( B ) 2 Counts Title 15 U.S. Code 1681a ( e ) 1 Count Title 15 U.S. Code 1681b ( a ) ( 2 ) 4 Counts Title 15 U.S. Code 1666b ( a ) 4 Counts Title 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 4 Counts Title 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) 13 Counts Please see attached document for a copy of the presentment and US Postal Service Tracking Information

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 2022-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America has defrauded me and has coerced me into paying a debt that they have already collected on. They are violating my consumer rights!

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 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NC

Complaint narrative:
Around late XXXX Of XXXX  I made a purchase on XXXX  for {$28.00} for some food. But when I received my order it was completely wrong. I contacted XXXX 1st and they informed me that they will not Be refunding me any of my money. So I contacted cash app because that is the card I made the XXXX  purchase with. It has been over 4 months and I have not received any helpful correspondence from cash app In reference to my dispute.All they tell me is that they have escalated my issue and that someone would get back with me through email.I have not received any emailsWithin the 4 months since I have filed the claim in late XXXX. I was charged for items I did not want. neither XXXX or cash app are trying to help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
1 - XXXXXXXX XXXX XXXX XXXX - Fraudulent Information following a dark web exposure 2- XXXX  XXXX multiple times 3 - XXXX XXXX  - multiple times 4 - XXXX XXXX multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
For some reason, my mortgage company it been reporting me like a miss payment, when i has the probe of those payment, they open an investigation and always< I was right now my record it is damage, and the want me to fixed that!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, also Account # XXXXXXXX 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.

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 2022-05-31 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, also Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: NJ

Complaint narrative:
This is a fraudulent inquiries from a dark web exposures are as follow 1 - XXXX XXXX  XXXX. - 2- XXXX XXXXXXXX XXXX XXXX 3 XXXX XXXX XXXXXXXX XXXX 4-XXXX  5XXXX XXXX  6- 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 2022-05-31 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: CA

Complaint narrative:
There is 30+ mistakes on my credit report! I have highlighted the mistakes. I have also sent 5 dispute letters but there has been no change! I have attached all documents. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX I mailed out letters to all three credit agencies Transunion, XXXX and XXXX stating that I did not recognize several inquiries on my credit file which is unauthorized use of my social number/credit card. These unauthorized inquiries were furnished up to my consumer report without my consent. These agencies did not comply with their own policies in a timely manner with responding to my complaint within 30 days.

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 2022-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent updated letter to XXXX XXXX and tranuion to updated my current address and employer and my phone number all 3 credit bueaue Bureau all 3 credit bureau are stated can remove other addresses because the address was giving about a creditor, there one address never belong to XXXX it starts with I had never lived at the address

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 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened Citibank checking account in XX/XX/2022 and I transferred a total of {$15000.00} from my XXXX XXXX XXXX. A week after I opened my account, Citibank decided to close my account and accused me of fraudulent activity. I provided the approval of the fund and all of the documents to Citibank but in early XXXX, they decided to close my account. I have never received any mail, email, text, call, or information regarding my bank closure. I found out this information because I keep calling and visiting their branches. They promised me to send a check within 60 days but they just sent me {$200.00} and the rest of the {$15000.00} I haven't received it until today which is over 3 months already.

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 monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I contacted Convergent Outsourcing requesting debt verification via certified mail with electronic return receipt on XX/XX/2022. They have not sent any correspondence since.

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 2022-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citicard added a user to my account without consent or collecting that person 's personal information, then sent them a new credit card in my name to activate and use. The person let me know before activating.

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