vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2022, the mortgage payoff amount was tendered for full satisfaction to Wells Fargo Home Mortgage by notary presentment registered mail XXXX XXXX XXXXXXXX XXXX XXXX XXXX in the amount of {$110000.00} Bill of exchange Money order # 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 2022-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I'm a veteran who went to the XXXX  for XXXX related issues that turned out to be none life threatening. The hospital took my information and never billed the VA. I got the VA in touch with the original creditor and they verified that the debt was fraudulent. XXXX is the only creditor left who cant seem to allow the truth and submitted documents from the VA stating my insured covered status as verification of fraud. All other creditors have removed the debt.

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 2022-06-08 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: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act Bankruptcy 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 explanation
Consumer complaint received 2022-06-08 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account Name : XXXX  XXXX  XXXX. 
Account # XXXX, has violated my rights Account name : XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-06-08 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: VA

Complaint narrative:
To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries were made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/2022 XXXX. US SM BUS ADMIN ODA on XX/XX/2022 XXXX. US SM BUS ADMIN ODA on XX/XX/2022 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally this unverified & unauthorized item MUST be removed!! 
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

My contact information is as follows : XXXX XXXX XXXX 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 2022-06-08 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, these companies have violated my rights. 

- XXXX XXXX XXXX / Account # - XXXX - XXXX XXXX XXXX XXXX Account # - XXXX 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 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, ( XXXX XXXX XXXX XXXX Original Creditor : XXXX ) ) has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX 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 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 2022-06-08 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: NY

Complaint narrative:
I have placed disputes on XXXX  separate occasions, each returning as verified correct. Federal law code 15 US code 1679c allows me to dispute inaccurate data which also pertains to rights as a consumer I am allowed to view HOW they verified such information. Using e-oscar at times proves not to work. By law information supplied to credit agencies must provide accurate and true documents with my signature showing validity of debt. I have asked twice for how these were verified with the question for validation proof that has been left ignored. 
My issue is with the following accounts : 1. XXXX XXXX transunion reports XXXX in payment history with last payment made XX/XX/XXXX ; XXXX  reports this account had XXXX late in XX/XX/XXXX, with last payment made on XX/XX/XXXX ; while XXXX reports XXXX lates and last payment in XX/XX/XXXX. 
2. XXXX XXXX transunion reports XXXX in payment history with last payment XX/XX/XXXX ; XXXX  reports 100 % on time with last payment XX/XX/XXXX and XXXX  reports XXXX lates with last payment XX/XX/XXXX. 
3. XXXX XXXX XXXX- transunion reports XX/XX/XXXX as last payment with no lates ; XXXX  shows 25 lates but only one XXXX late ( XXXX ) with last payment on XX/XX/XXXX while XXXX reports c/o every month last two years with no 1st delinquency date. 
4. XXXX XXXX transunion reports no lates with last payment XX/XX/XXXX, XXXX shows XXXX lates despite also showing XXXX with last payment XX/XX/XXXX and XXXX shows XXXX CO dating back to XX/XX/XXXX. 

These XXXX accounts quite obviously were NOT investigated as requested being each of the three bureaus report different information. Due to this I have the rights to have all XXXX immediately removed from my reports.

Attached is proof of what I am claiming. Please note despite these showing XXXX  as address too, each company had their own same letter addressed to them.

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 2022-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I had a 0 % interest credit card for XXXX XXXX XXXX XXXX through Synchrony bank. I missed 1 payment in XXXX of XXXX. I was sent an email, called and at Synchrony 's suggestion and direction enrolled in automatic payment to pay the amount by the end of the promotion period. 
I would receive periodic ( quarterly statements ). I received a statement in XX/XX/XXXX and one again in XXXX of XXXX. The XX/XX/XXXX statement had triple the balance. It took several days to access my account ( the server was having difficulties and try back later ) and find out they had started to charge interest and fees as the promotion period was over. At no time between XX/XX/XXXX and XX/XX/XXXX did I receive any notice or additional statements to indicate the promotional period was over and resolve any outstanding balance. 

I immediately paid the original balance and began calling Synchrony to resolve. Synchrony 's only customer service are representatives who sad they could not do anything past 30 days. I received a multitude of misinformation from customer service over the next several weeks and calls that included lying about management structure, call backs and even telling me that forgiveness after 30 days was an SEC violation. 

I was then contacted by a customer representative who did not initially respond to my follow-up, played phone tag for several weeks and then she did not respond as she was out with a sick child. I finally was able to contact her in a last ditch attempt to resolve. 
I told her that the auto-payment was set up as a result of direction from call in XX/XX/XXXX. She said she had to review the call. She called back and said no matter what the term of the promotion period is over and they won't do anything. I specifically requested details of the call and she refused to provide. I asked her to review the previous months calls to customer service and the plethora of misinformation. She refused saying she needed exact dates. Note she did not need an exact date to review the XX/XX/XXXX call ; I suspect she did not and that is another lie. 

I now have XXXX of dollars in interest and fees that are still accruing. When provided with appropriate information I have been diligent about paying what I owe and contacting Synchrony. Synchrony 's entire system is designed to provide no or false information to defraud consumers of interest and fees.

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 2022-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have no balance of debt card at Capital One bank. Somebody stole the money and make my balance of XXXX. I thank its banks problem. Right now bank ask me to pay XXXX. But I didnt withdraw the money. The bank cant give me any correct report. The bank has no record form their camara

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been disputing several negative elements of my credit for more than 90 days and I have not obtained any result or response from the credit bureaus. I am trying to fix my credit because I want to buy a house, however the bureaus have been very irresponsible with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
Good Morning my name is XXXX Received a letter from America Coradius International that i have a debt XXXX they already get XXXX from my old debt card, but still pending XXXX the problems is this is not my debt. i need a letter with the name and address of the original creditor. because they need to send me the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
I was under the COVID relief hardship program and was approved for a loan modification. Flagstar Bank sent me XXXX packages, in each package, there were XXXX copies of a Modification Agreement. 2 for us to send back, 1 for our records. The 2 copies were to be notarized and sent back which I did, however, Flagstar is now claiming they never received the documents and that I now need to reapply for a new loan modification. I believe they are doing this being they no longer want to honor the new rate of 2.875 %, my original rate was 3.875 %. 

Flagstar Bank claims to have sent ONLY 2 packages- on XXXX, XXXX, 2022 ( tracking # : XXXX ) and XX/XX/2022 ( tracking # : XXXX ). However, if you refer to the image ( XXXX XXXX ), you can clearly see they are disorganized and tried sending a total of XXXX packages. Images ( XXXX XXXX & XXXX ) clearly show they created a package to ship to me on XX/XX/2022, however it was never dropped off. They also sent a package on XX/XX/2022 ( tracking # : XXXX ) which was delivered back to them on XX/XX/2022 and signed by employee ( XXXX XXXX at XXXX hrs ), images ( XXXX XXXX & XXXX ). 

Flagstar Bank has no records of the XX/XX/2022 package being sent back. In fact, they claim that tracking number is not even in their system. I have provided tracking numbers of both packages that were delivered to me on XX/XX/2022 and XX/XX/2022, both being shipped back and delivered on XX/XX/2022 ( tracking # XXXX : XXXX & XXXX ). Both packages were received and signed for by an employee named XXXX XXXX on Monday, XX/XX/2022 at XXXX hours. 

Flagstar also claims that my package was incomplete hence why they cant apply my loan modification. However, I was never notified of this until I called in. In addition, if claims of one of my packages being incomplete are true, why did they not use the second package I sent it on the same day, which was confirmed to be delivered AND signed for. I sent the documents in a timely manner and have made all my payments during the trial period. 

Flagstar is making me apply for another loan modification even though they received my packages which were signed for ( XXXX XXXX ). I believe they are using the same tactics from years prior which resulted in action from the CFPB in order to correct it. 

I believe its unfair that Im being penalized if they have received my loan modifications. Thank you for taking time to read this.

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 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
XXXX LOANCARE services my mortgage. 
1. ). I have an escrow account with LOANCARE from which my insurance and real estate taxes are paid. 
2. ) Issue which I have repeatedly since XX/XX/2022 through XX/XX/XXXX have tried to remedy through phone calls, uploaded actual property tax bill and letters, have failed to CORRECT THE REAL ESTATE TAX AMOUNT FOR THE SECOND INSTALLMENT OF MY TAXES WHICH IS {$1400.00} and NOT the {$4800.00} which they have listed! 
3. ) LoanCares XXXX XXXX XXXX refuses to finish a requested updated escrow analysis that would refund me the several XXXX dollars extra in my escrow account. She also has stated inaccurate information about the XXXX XXXX XXXX XXXX who handles my property taxes and assured me that my actual tax bill was correct. XXXX XXXX insists are keeping the amount Im paying into escrow each month at the same amount. Although she did refund me {$3200.00} from my escrow the account has an overage that is beyond reason. 
In conclusion, LOANCARE should correct my online portal information regarding my actual amount of my second installment of taxes and if possible, do an updated escrow analysis

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 2022-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I was given a Lowe 's credit card without my consent which then hurt my credit. 

My credit report shows that my account with SYNCB/LOWES was opened XX/XX/XXXX without my approval. I had visited XXXX 's probably 10+ times around that time period and was always asked if I wanted a card to which I declined. 

I was made aware of the fraudulent card on my account when I checked my credit report today ( XX/XX/XXXX ) and it showed a XXXX point loss to my XXXX value. This occurred from a decrease in the limit to the XXXX 's card that was taken out in my name. 

To my knowledge I did not receive a card. I have also never made a charge to this account.

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 2022-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
They are not trying to repossess yet. On Friday, XX/XX/XXXX the vehicle broke down on the side of a major highway. I was forced to pay {$250.00} in towing fees and another {$100.00} for a mechanic. This put me at not having enough money to pay my car note. Credit Acceptance Corp XXXX XXXX, MI who is my finance company was immediately called on Friday to tell them what happened and the situation. I told them I had to get ahold of my father-in-law to see about getting help and that as soon as I was assured that I would have help that I would get in touch with them by Friday, XX/XX/XXXX. XXXX week! Since that phone call they called me twice on XX/XX/XXXX, twice on XX/XX/XXXX, 3 times XX/XX/XXXX, and so far this morning, XX/XX/XXXX at XXXX ; XXXX they have called me 4 times and texted me. This is pure harrassment! Please 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 explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
I have sent over two certified letters to both the creditor as well as XXXX and XXXX. I waited over 3 months and still have not received any validation from the creditor proving that this debt is mine. 

This debt is not mine and is unknown to me. When I sent in certified mail to the collections agency and credit bureaus asking for validation and proof, I did not receive any response. 

I want this removed as both the creditor and the bureaus are in violation of the CFPB rules. 


This is not mine and the creditors wont send me any validating documents. 


I want this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX. Account 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 602 A. Section 2 : It states a consumer reporting agency can not furnish 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 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Money was taken from my checking account as a preauthorized debit in the amount of XXXX on XX/XX/2022. Money was paid XXXX Services. I did not authorize this transaction. I contacted XXXX XXXX first. XXXX states no payment was made on account in my name for that amount or any amount even close to that. They state I have never even had that high of a balance. The last payment from me on an account owned by me was in the amount of {$15.00} on XX/XX/XXXX. I filed a fraud claim with PNC after speaking with XXXX customer service. I was told by PNC representative that my money would be refunded and in my account by XXXX XXXX. When that day came and went with no refund, I called PNC again. On XX/XX/XXXX, I spoke with XXXX XXXX at XXXX. She said she would look into the matter and call back within two days. I did not hear back from XXXX so I made numerous calls in an attempt to reach her only getting voicemail. XXXX returned my call this morning. I was told fraud claim denied because I have a XXXX account and to take it up with XXXX. Called XXXXXXXX again. There is no such payment on an account i my name. XXXX restated that PNC is responsible for refunding the money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) ) 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