vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have an inquiry with XXXX  on my equifax report. I have disputed with equifax and called XXXX and confirmed I don't have record of an inquiry in XXXX XXXXStill no one has took the next step to get this hard inquiry off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I used Affirm to get a line of credit to purchase tickets to a live show in XXXX, GA. This is where I reside. I received confirmation that tickets to the same show except it was in XXXX, NY. The show was postponed indefinitely at the time. I immediately called and notified Affirm before processing the loan that the charge was fraudulent. In response to the fraud, I have requested and never received verbal phone call from the fraud department. To dispute the fraud I am allowed 125 characters which is barely 2-3 sentences. My proof of fraud documents failed to upload because of their website issues. I never was assigned the same agent to address the fraud during the process. The mere fact that I notified them of a fraudulent loan being acquired in my name on the weekend when the loan was not even issued and they failed to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: CA

Complaint narrative:
I have reached out multiple times to remove any and all inaccurate information per FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: CA

Complaint narrative:
I have reached out multiple times to remove any and all inaccurate information per FAIR CREDIT REPORTING ACT.

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 2022-04-10 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: CA

Complaint narrative:
I have reached out multiple times to remove any and all inaccurate information per FAIR CREDIT REPORTING ACT.

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 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without 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 explanation
Consumer complaint received 2022-04-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: NV

Complaint narrative:
The debt was billed to wrong insurance thats no longer open. Therefore didnt get paid and sent to collections. I called collections and told them that and that the debt is {$0.00} at the business office. The representative stated would not contact business office and that I was past the date of something? which I didnt understand. She stated they would not contact business office to verify the bill is now {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: UT

Complaint narrative:
I would like an independent review of the loan. All email chains, texts and any other communications between the loan officer the underwriter, title company, real estate agents and customer. I applied for a loan on a XXXX XXXX at CrossCountry Mortgage. The loan was for XXXX XXXX dollar home. I put XXXX XXXX dollars down and terms were 50 % payment by cusomer at time of closing. The loan was for the other 50 %. Most of the information requested was gathered between XX/XX/XXXX and XX/XX/XXXX XXXX. It was sent by myself or gathered by XXXX and XXXX at Crosscountry Mortgage. Communications were frequent by text and email. The contract for the purchase was to be completed before or on XXXX XXXX. I was told several times during the process that everything was just great and would close early even as early as XX/XX/XXXX. I asked for a closing on XX/XX/XXXX and explained that I would be out of town. The loan was delayed because of the underwriter constanly. They did not close the loan on XX/XX/XXXX and requested a week extension until XX/XX/XXXX. Last minute request started to come to me until the last request on XX/XX/XXXX. I was not available to gather the information requested becuase I was in meetings until XXXX that day. the comditions os the extension expired at XXXX that day. The requested was not reasonable or timely. I asked several times throughout the process in XXXX if they needed any more information. None of the last minute requests were mentioned earlier in the process. I asked my bank to givie them any information needed two separate times.

The Loan was not Approved becuase of constant delays and unreasonable timely requests. I lost my {$42.00} thousand dollar down payment to seller and XXXX fixed interest rate loan because of the lack of competence and managment of the loan. 
Thank You for your time and please reach out if you need copies of texts and other communications. KEEP ME INFORMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, family support individual XX/XX/XXXX acctXXXX ...., XXXX XXXX  XX/XX/XXXX XXXX ...., XXXX XXXX XX/XX/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 2022-04-10 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account, family support individual XX/XX/XXXX acct:XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-04-10 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: SCA Collections, Inc.
State: GA

Complaint narrative:
SCA Collection XXXX acct # XXXX Violated my rights on XXXX/XXXX/2022. 

The violation these laws 15 USC 1692. ( B ) ( 2 ). 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 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 2022-04-10 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 have contacted Experian several times by mail for errors on my report 1.XXXX XXXX XXXX  # XXXX reporting late XX/XX/XXXX this needs to be updated to reflect pays as agreed NEVER LATE. 
2.XXXX  XXXX # XXXX This mess should be removed IMMEDIATELY! 
3.XXXX  XXXX XXXX XXXX Account XXXX reporting late payment XX/XX/XXXX. My. rights are being violated. As stated by FCRA 611 ( a ) ( 7 ) I asked for a copy of all the information given to them from the investigation proving everything stated here is accurate as they are reporting. I have serious concerns about their so called investigations. On the XXXX XXXX XXXX account did they receive documents from XXXX XXXX XXXX  or was it XXXX? For the late date they are reporting XX/XX/XXXX the account belonged to XXXX. On the XXXX account what documents were received to prove this should be valid for reporting on my credit file.. The XXXX account where there any documents sent??? I have a hard time believing their generic responses. If Experian has verified what they're stating they verified why have I yet to receive the documents requested??? This doesn't make sense AT ALL. I'm highly frustrated as they continue to report incorrectly. I'm being affected by having to pay higher deposits and interest rates. I have been denied a place to rent because of my credit file.

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 2022-04-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a call from a representative at Loan Depot, name XXXX XXXX telephone number ( XXXX ) XXXX, who stated they had received a notification I was looking to refi. I stated I was looking into my options. Over the phone the rep advised me what Loan Depot could offer. 

We spoke for about 45 mins, she presented me my options, and based on those options, I advised I would not be moving forward. She continued to try to push me and I advised again I was not interested and to please not submit my application. 

Then on XX/XX/XXXX at XXXX I received an email stating the opposite. The representative did in fact submit my application, without my permission, and did in fact open a customer refinance profile without my husbands and/or my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 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: HUNTINGTON NATIONAL BANK, THE
State: MO

Complaint narrative:
My name is XXXX XXXX I am filling a complaint against Huntington National Bank. This is a huge violation of UDAAP. My husband XXXX XXXX passed on XX/XX/XXXX and I reached out to LITIGATION DEPARTMENT letting the know he passed around week after his death. 
XXXX and XXXX XXXX told me that they need a copy of his death certificate I advise once I receive I will forward them a copy. Account was current. and never late check the payment history. Ive asked XXXX XXXX can I assume the loan and he said yes and to keep the account current. He told me by assuming the loan this will not report to my credit because it never went through loan originations. Now its XX/XX/XXXX I emailed XXXX XXXX to advise that I was still waiting on the death certificate with NO RESPONSE from XXXX. The communication never stopped from me. The account was never late!!!!!!! XXXX called me on XXXX XXXX and said he need something showing hes deceased and I provided XXXX XXXX with documentation from morgue, copy of obituary, statement of death from the funeral home and he said those documents were ACCEPTABLE to confirm hes death. Now its early XXXX and I received a call from XXXX in Litigation and he said the account was charged off XX/XX/XXXX. I told him that the account CANT be charged off due to my communication with them and I provided documentation to XXXX showing my husband was deceased. XXXX called me back the same day in XXXX to say that he messed up and didnt put the account into a SPECIAL QUEUE TO HOLD THE ACCOUNT. XXXX XXXX said he was to having a meeting with his manager because he messed up. XXXX nor his manager removed the charge off account status from the account. So now since I assumed the loan they are reporting to the 3 credit bureaus I have a charge off which is incorrect. The error relies on XXXX XXXX at Huntington for not following his policy & procedures nor the workflows now because of XXXX error I have this issue. I have excellent credit and I need this removed from my credit asap. I need a corrective action letter from HUNTINGTON NATIONAL BANK to show that the charge off reporting has been corrected emailed and XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient is currently reporting late payments on several accounts they list as closed on my credit reports. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
I sent a letter to and Springs Oaks Capital for XXXX of the debt that is the actual accounting Verification of sans invoice A contract binding both parties you and them in a letter by certified mail so there is the independent witness to having it being delivered According to the 15 USC 1692e 15 USC 1692d, and 15 USC 1692B Not use any language or symbols on an interval envelope or in the contents of any communication affected by mail or telegram that in the case that the dead collector is in the debt collection business or that the communication or relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
Purchased card on XX/XX/2022 at XXXX at XXXX XXXX XXXX XXXX in XXXX, Connecticut at XXXX XXXX. Went outside ( XXXX ) to order XXXX XXXX XXXX for Saturday XX/XX/2022 and card was denied. Was told by XXXX XXXX XXXX that I needed to call day of in order to use the gift card. On Saturday, XX/XX/2022 at XXXX, I tried to place an online order but was denied again. I called in the order when they opened at XXXX XXXX  and the card was declined again. Later on ( XXXX XXXX ) after our gathering, I placed a call to Vanilla Gift Cards Customer Service ( XXXX ) and had them look into the issue. The gentleman explained to me that the card had a pending charge of {$60.00} to a gaming company ( XXXX  ) in XXXX XXXX, Nevada that took place on Friday XX/XX/2022 at XXXX. I told him that I did not make that transaction and he took the number down and in seven days to call back and the issue would be resolved. I called back on Sunday XX/XX/2022 at XXXX XXXX to find out if the issue was resolved and was told by the Customer Service representative that it was never filed. She asked me the same information then told me that they would send me by email a form asking me the same questions and it would take 45 days for the company ( XXXX ) to respond and it would take a total of 90 days for another card to be issued if indeed they could recover the {XXXX}. I don't understand how this company can do business without it insuring that issues like this don't happen consistently and how they are not investigated for such things? I don't understand how the online gaming industry is not investigated for these issues either? There needs to be some kind of protection for the consumers. Now I have to wait 90 days to get my hard earned money back and that's even if I can, is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MD

Complaint narrative:
XXXX : XXXX XXXX released a wire transfer of {XXXX} to privat bank XXXX XXXX, XXXX XXXX XXXX, through bny as corespondent bank. XXXX states that they haven't received the funds until now! the XXXX recipients are in dire need of th ese funds!! the wire confirmation is XXXX. this is a significant amount that i can't replicate to send via other means! please let me know wh y XXXX hasn't received i! if there's a real problem, how can i get the funds ret urned to me? 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX Sent : Mon, XX/XX/2022 XXXX pm Subject : Your XXXX XXXX wire transfer confirmation and receipt XXXX XXXX XXXX You've successfully submitted your transaction Please keep this message as your receipt. 
Wire details Confirmation number XXXX Send to XXXXX XXXXXXXXXXXXX XX ... XXXX From account ( debit account ) EVERYDAY CHECKING ... XXXX Wire currency US Dollar ( USD ) NOTE : This transfer is being sent in USD Send on XX/XX/2022 Deliver by XX/XX/2022 Originator ( sender ) information Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Recipient information Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Recipient bank information Bank name XXXX XXXX XXXX Bank country XXXX Bank ID XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following items will be debited from your account : Transfer amount {XXXX} Wire transfer fee {XXXX} Taxes {XXXX} Total USD from account {XXXX} Exchange rate N/A Recipient amount and fees Transfer amount {XXXX} USD Other fees XXXX USD Total for recipient XXXX USD Note : Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. 
Availability date XX/XX/2022 -- -- XXXX : why now after i've sen t funds three months in a row? what is the issue? i would like to respond. Se nt from XXXX XXXX Mail : XXXX XXXX On Thursday, XX/XX/2022, XXXX XXXX, XXXX Payments Investigations Inquiries   wrote : Hello We received the payment under ref XXXX XXXX however it is pending XXXX review under our inquiry ref XXXX XXXX. a msg has been sent to XXXX XXXX under our ref for further details required. Thank you XXXX -- -- Hello, Details are only acceptable through the Banks and we can not release any information to you. Thanks,, BNY Mellon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
A credit card for the company of Fortiva was opened by someone who was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my XXXX XXXX  XXXX XXXX account which is powered by Experian credit bureau it states that the XXXX XXXX XXXX account that is reporting on my credit report that this XXXX  XXXX XXXX account is XXXX XXXX XXXX XXXX XXXX old. Experian has a policy by which persons can request an early exclusion or deletion of an account if that account is within a 3 month period of it falling off your credit report. 
This XXXX  XXXX XXXX account is within a 3 month period of it falling off my credit report. I am therefore requesting an early deletion/ exclusion of the XXXX XXXX XXXX account that is reflecting on 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