vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I refinanced an auto loan with XXXX XXXX XXXX with Pentagon Federal Credit Union. 
The credit union began calling me with late fees because they charged me an unsecured interest rate because they had not received the title for my vehicle. I paid these fees accordingly. 
I have a letter dated XX/XX/year> from XXXX XXXX XXXX stating that they have sent my title the XXXX. I called XXXX numerous times to stop the increased interest rate and subsequent fees given this letter ; especially because XXXX shared with me that they could pull my title in real time online as soon as it was released. I was told they would stop charging me the increased interest. 
Beginning in XX/XX/year>, we began traveling with family driving cross country until XXXXXXXX XXXX XXXX. Upon our return, XXXX called and I spoke with them- they were asking for additional documentation to sign the title over to them. They repeatedly said it had been emailed. I never received it via email. I did receive it via XXXX the week of XX/XX/XXXX - over 5 MONTHS AFTER the title was available to them to do this ( It is postmarked XX/XX/year> ). Per the instructions, I completed the documents and mailed them as instructed. The letter specifically states that photocopies are not acceptable. The ORIGINAL application form must be returned to PenFed. 
Today I received a notice that they recorded a late payment from me due to these charges. This is absolutely fraudulent and a clear example of trying to increase interest income when they do not have the grounds to do so. 
I want my XXXX corrected and the past due interest removed from my 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PRIMARY RESIDENTIAL MORTGAGE
State: MN

Complaint narrative:
Starting on XX/XX/XXXX, I had reached out to XXXX XXXX via a connection with XXXX and he started working with me on a mortgage on a home in XXXX, XXXX At this point, we were contingent on the sale of my home and in late XXXX this fell through. XXXX reached out to both myself and my realtor XXXX XXXX, with XXXX XXXX to state that he could make this work and that he could get us approved to get the loan without the sale of my home at the time of purchase. In his conversations, emails and texts with both of us, he ASSURED us 100 % that it would close and I would get the home. He did this multiple times over a few weeks. I submitted every document requested within the day of the request and answered all requests from him and XXXX XXXX promptly. Due to his recommendation, my realtor went back to the sellers and they agreed to do a new purchase agreement but only with a non-refundable earnest money. XXXX XXXX stated to both XXXX XXXX and myself that this was not a problem and to go ahead and move forward. This is a lot of money for us but we really wanted to the house and believed XXXX XXXX that he would do what he said. In XXXX, after going back and forth multiple times as the sellers were getting anxious, XXXX XXXX called to tell me that they could not do the loan and he hung up. He sent a text message to XXXX XXXX stating the same thing. No reasons, nothing other than it just didn't work. Given the number of documents and XXXX 's I have that state that he would get this done 100 % and I would be in my home. I lost out on my home and {$10000.00}, in addition to moving costs deposit, storage unit costs, moving supplies costs, and costs for setting up the new home and disconnect charges for our home. In all, I lost over $ XXXX due to his PROMISE IN WRITING that this would work and I had no concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon checking my credit report, I identified multiple billing errors. The reported late payments are inconsistent with my regular payment history.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  TO Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
It is unfathomable that Flagstar management has refused to help me to get to the bottom of this so I can live my life in a peaceful manner. Today, I received a foreclosure doc that stipilulated I missed payments. Lot of calls placed at Flagstar entities to tell us which months that I have missed ... Keep transferring over from Dept after Dept with no end in. Someone was telling me there are purposely trying to XXXX you up. Not only I have docs from XXXX Checking account to support my claim. In addition, all payments made was within Flagstar policy guidelines ( 16 days grace period ). Other relevant facts being told that all payment made, the escrow account team applied the entire amount to the principal, not being fractionalized to the other components of loan such as Taxes, Insurance et Principal... Still in the dark side of the moon. 

In summary : 1- The first 2 docs relate to XXXX XXXX  statement of the funding the property tax XXXX XXXX XXXX XXXX XXXX .. Flagstar1 is the 1st deposit of {$500.00} Flagstart2 is the XXXX deposit of {$4500.00}. 

2- Flagstar proof of cancellation : XXXX XXXX XXXX partial payment cancellation - the {$4500.00}. 
Once the remittance is received and it was mailed to Flagstar Escrow account to cover a fraction of the property tax. 

As noted per XXXX XXXX XXXX. The property tax for the year is {$11000.00}, substracting the {$5000.00} which resulting to ( {$550.00} per month ). 

3- Next is the insurance The insurance was purchased through XXXX XXXX which I paid using my credit card of ( {$1900.00} ) out of pocket. 

In overall, the math aspect of it, is very simple Principal {$250000.00} Mortgage XXXX = XXXX  % Property tax XXXX Insurance is XXXX Roughly the monthly mortgage paymeny ought to be {$1900.00} ish

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$600.00} XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX Amount {$1200.00} XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX Amount {$1000.00} XXXX  # XXXX XX/XX/XXXX Amount {$520.00} On XX/XX/XXXX, I have review my credit bureaus and noticed the accounts are being inaccurately report, and need to be deleted. My rights have been violated according to FCRA15 USC 1681 section 602 ( a ) states I right to privacy. The breach of National Public Data, Equifax credit bureau, and Dark web have exposed my personal information. I do not have contract with any of the

se above mentioned creditors, so I would like this information deleted from my Equifax credit report immediately. FCRA 15 USC 1681 section 604 ( 2 ) Also states a consumer reporting agency can not furnish an account information without my written consent and/or instructions.

Moreover, FCRA 15 USC 1681 s-2 ( a ) states a creditor 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX, XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : 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 2024-10-03 00:00:00
Product: Credit reporting 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-03 00:00:00
Product: Credit reporting 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I cancelled my gym membership with XXXX XXXX ( XXXX XXXX ) by following their email instructions. I never missed or made a late payment, so I didnt owe them anything. Now, I see a collection for over {$200.00} from Aldous and Associates, claiming I owe money. I provided proof of cancelling the account, but they still sent it to collections. This feels like a scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-10-03 00:00:00
Product: Credit reporting 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: MA

Complaint narrative:
Good day, upon checking of my credit report recently, I found a credit inquiry that I do not recognize and believe to be fraudulent as I have not applied to them. I did not give permission to thiscompany to pull up my credit report. This is really alarming as I might be already a victim of possible identity theft.

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 2024-10-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My complaint is against Bank of America XXXX XXXX XXXX card. My account was compromised and unauthorized charges were on my statement. It took BofA one year to get this issue resolved after I sent in multiple documents showing that I did not authorize the activity on my account. B of A closed the card and sent me a new debit card however when I tried to activate the card to was unable to as they sent me an incorrect card. In the meantime my claim was awarded and placed back on my account. I received my new card about a week later and by the time I activated it I the money on my account was already gone. Now I was super frustrated. I called the claims department back and let them know there were multiple new unauthorized charges and I was confused as to how it happened when I just received the card in the mail that day. I then filed a new claim and sent in another police report and a report from the ftc stating I was a victim of identity theft plus other supporting documents. With this new claim after waiting XXXX to verify the reciept of my documents they told me they did receive them. I let a week go back to check the status of my claim and they next claim representative informed me there were no documents in my claim. I was confused and asked them why one of their colleagues had told me the other day they received my documents. After looking into my claim I was informed that they were attached to someone elses claim. I have also received numerous documents via email with someone with a similar name. At this point my claim was immediately denied because of their error. I was beyond frustrated and I asked to have it reconsidered. Now in this time frame XXXX had placed a block on my card due to an identity verification. I just barley got this lifted on XX/XX/year> and Bank of America will not release the funds that were placed on my card before their contract was up, and because in their system it has not updated stating that the block has been lifted, and since I just reopened my claim this is going to be an issue. XXXX has informed me that Bank of America will have to contact them to confirm that it has been lifted however Bank of America is refusing to do 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Good day, upon checking of my credit report recently, I found some credit inquiries that I do not recognize and believe to be fraudulent as I have not applied to them. I did not give permission to these companies to pull up my credit report. This is really alarming as I might be already a victim of possible identity theft.

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