vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TX

Complaint narrative:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-08 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: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Chime closed my account on XX/XX/XXXX. i had just got my check deposit on XX/XX/XXXX. i had {$960.00} on my account. i have been emailing & calling back & forth with the companys customer support system with no luck. they asked for a picture of my ID, a picture of me holding a piece of paper with my name & the date, & the last XXXX of my social. i have sent this information multiple times. they just send the same automated email back asking for the information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
It saying Im not paying on time while its not showing which account is not being paid on time. And its saying zero late payment for the last 12 months yet out of nowhere my credit drops to XXXX point with no proof of what caused other then you have a delinquent account with lates payment.

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 2022-02-08 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 2022-02-08 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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: KS

Complaint narrative:
On the last week of XX/XX/2022 I received a letter regarding a debt that isn't mine. In the past I tried to explain them that it wasn't mine and asked to stop sending me letters but they are doing it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I received a property tax exemption from XXXX in 2021. I faxed in the paperwork to Shellpoint Mortgage back in XX/XX/2021. I was told it would take 7 days to do an escrow analysis to adjust the payment. I have contacted Shellpoint Mortgage several times to resolve this issue and I`m still haven`t received the adjustment to my property taxes and mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I put in a credit request XXXX XXXX XXXX They pulled 2 reports And TransUnion is XXXX Lower score then the other two. @ XXXX With no derogatory or miss payments on my account. There should not be that much discrepancy in the different reports without something not being calculated or done right.

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XX/XX/XXXX a mobile deposit was made into my account for {$600.00}. The deposit check was in my old name I have walked into the bank now 3 times with documents verifying this information. Due to the incompetence of the bank and its back office its now going on 2 months with a administrative hold on the account. I would like my funds from the account. 

Huntington has been giving me the runaround for weeks with multiple calls and visits to the bank branch. With no resolve and more request for the same documents they have been sent 3 times. My last straw is calling the bank today for the representative to tell me that no one has noted the account that the faxed documents were sent by the branch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2022-02-08 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: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America refused to refund my money that was taken from account in error in XX/XX/XXXX. I had to do a stop payment with my bank to get my money back. After removing the stop payment ; BOA continues to revoke my payments and false information is noted on my account stating the error is resolved each time I contact an agent. 
I want to submit a formal complaint for the false information, lack of resolution, and have BOA stop revoking my payments. 

XXXX after my home refinance was completed, Bank of America XXXX BOA XXXX took a payment out of my account in error in the amount of {$940.00} - XXXX I contacted my BOA loan advisor, XXXX XXXX ID XXXX who confirmed this was an error and advised me to contact customer service for a refund XXXX I contacted BOA customer service who confirmed the error and was directed to send a copy of my bank statement showing the payment was taken out. 
XXXX a copy of my bank statement was emailed to XXXX Ref # to this issue was XXXX XXXX receiving this information, BOA still refused to refund my money. I completed a stop payment with my bank to get my money back XXXX stop payment to BOA removed from my account BOA continues to revoke my payments. After several calls with the company representatives have stated false information on my account stating the matter was resolved each time. 
XXXX call with representative ID : XXXX requesting that I send a copy of the stop payment document from my bank. Complaint also submitted # XXXX XXXX stop payment document from my bank faxed to BOA XXXX I received a letter from BOA by mail dated XX/XX/XXXX stating my issue was resolved on XX/XX/XXXX ( which is incorrect ) stop payment on my account occurred XX/XX/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 2022-02-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
* on XX/XX/2021 I applied for a re-finance to my existing mortgage with Flagstar Bank ( loan XXXX ) with some additional cash out to cancel credit card debt. total loan was for {$140000.00} agains the equity of my home ( appraised at {$530000.00} ) .I got a loan estimate and a conditional approval letter as of XX/XX/XXXX and XXXX ( attach XXXX and XXXX ). I was given a new reference for the new loan ( XXXX ) and a interest rate of XXXX locked until XX/XX/XXXX attach XXXX * As underwriting for the loan progressed I provided the required information for their processing. I got also letter from XXXX XXXX indicating that they were handling Title insurance and loan closing. ( attachmen XXXX ) All seemed to be on track and I got a letter of acknowledgment on XX/XX/XXXX ( over 60 days from my initial application ) that all was in order and that final approval was inminent. ( See attachmen XXXX ) * Around XX/XX/XXXX however I got a phone call from loan officer XXXX XXXX indicating that my loan had been declined. I tried to find reasons for the declining and only was told I was not qualified. No documents, no letters and no emails were sent to me with detailed information on this declination, I tried to communicate with loan officer and supervisors of Flagstar several times on days ahead to no avail, On my loan portal however, the status of the loan was of : '' Conditional Approval '' with the rate still locked until XX/XX/XXXX After complains to Flagstar loan department I got email 7 days ago indicating that some one was going to communicate with mi, but to date I have not received any call from then, nor any detailed reason for the loan declination ( see attachmen 4 ) .To date, status of loan is of conditional approval, ( se attachment 4 ) but rate has been unlocked ( attachment 5 ) which was not suposed to be done until XX/XX/XXXX ( attach 5 )

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 2022-02-08 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: CA

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2022-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I am a social worker and am applying for the Public Service Loan Forgiveness program. I completed graduate school in XXXX. Since then, I have been employed by eligible employers and have been making automatic monthly payments through FedLoan, my servicer. 

FedLoan has an inaccurate count of my payments. According to FedLoan, I am eligible for loan forgiveness in XX/XX/XXXX. They claim that I requested loan forbearance in XXXX and deemed payments that I made in XXXX, XXXX, XXXX and XX/XX/XXXX ineligible. 

I have never requested forbearance. According to my records, I should be eligible for forgiveness in XX/XX/XXXX. I made three additional payments in XXXX, XXXX and XX/XX/XXXX that XXXX count under the XXXX PSLF waiver, but I will need to provide an employer verification form. If successful, that would move my estimated forgiveness date to XX/XX/XXXX. 

I have spoken to several FedLoan representatives to address my concerns, most recently on XXXX XXXX, XXXX. At that time, my estimated forgiveness date was listed as XX/XX/XXXX. After the review, my estimated forgiveness date was changed to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have been in contact with the companies in this complaint and the credit reporting agencies who are listing invalid information. I require these corrections to be made because I take pride in my credit file. My attempts to correct my credit file has gone on deaf ears and blind eyes so I am here now as my last stop before I involve the courts. I do not nor have I consented to allow the credit reporting companies to furnish the information that I have deemed as incorrect or not mine 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

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 2022-02-08 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: CA

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 non-monetary relief
Consumer complaint received 2022-02-08 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: FL

Complaint narrative:
account # XXXX is showing in my credit report with a balance of {$13000.00} and a limit of $ XXXX to the XXXX XXXX XXXX XXXX sincXXXX XXXX. While I did attend the university, I was not in school for the period shown, moreover all debts with the university were settled and had to be settled before I could receive my Diploma in XXXX. The phone number located in the credit report is a non working number, I tried reaching it for more than 3 months without success. This debt is showing only in Equifax and I would like it removed immediately. I have no debt with the XXXX XXXX XXXX XXXX. This debt is fraudulent Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GATEWAY FIRST BANK
State: FL

Complaint narrative:
I, as consumer, having first hand knowledge, beneficiary employing the Full Faith and Credit STATE OF FLORIDA non-citizen XXXX person as authorized representative extended credit to Gateway as assignee for a consumer credit transaction and permitted Gateway to obtain a consumer report without complete disclosure 31 CFR 1.32 ( c ). 
Gateway breached trust in infringing copyright in my property and furnished fraudulent reports in misrepresentation of finance charges and balances and using my personal information for profit without my authority as an ultra vires act via deceptive misdescriptions. 
No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness. see Florida Statute 540.08. 

GATEWAY refuses produce evidence of consent or by what authority requires disclosure without consumer consent. see 31 CFR 1.32 ( c ). 

Identity theft means a fraud committed using the identifying information of another person without authority. 12 CFR 1022.3 ( h ). 

Gateway has made false statements alleging ultra vires claim to publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person. 

Gateway has refused to comply with my cease and desist demands. 

Gateway has been notified and continues to harass me with communications and refuses to respond to written disputes for disclosures in compliance for the Fair Credit Billing Act, Truth in Lending Act disclosures demanded that were withheld regarding the finance charge and the amount financed. 

Gateway refuses to disclose documentary material disclosing federal or respond to communications delivered in writing, proceeds held on behalf of obligor, fund approved and acquired on behalf of consumer. 

Gateways negligence has been very distressing and has put a strain on my personal life in dispute with Consumer reporting agencies. 

Gateway has threatened foreclosure alleging default as obscene language to disgrace the consumer despite demand for validation of debt compliance to Fair Debt Collection Practices Act. 

We anticipate Gateway will in good faith with clean hands address the claim brought forth.

Company response to consumer: Closed with explanation