vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XXXX, I sent a Dispute to remove all outdated inaccuracies on my credit report, However the credit Bureaus Stated the Account name and number were properly investigated, but how is that possible if the open dates are inaccurate, The last report date is inaccurate, This grounds for removal They also violated my rights under 15 USC 1681 section 604A Section 2 The law clearly states the consumer reporting agency can not furnish a written account without my instructions I havent given these accounts written permission to furnish on my credit account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I've been working with them to remove a 30 day late that is on my account. The banks dashboard was being updated and I did not want to be outside because of covid so when I paid them XXXX XXXX XXXX said they would refund me my late fee and take care of the 30 day late. XXXX did refund me the late fee but the 30 day late is still showing up on my credit reports. XXXX XXXX XXXX told me to dispute with XXXX, XXXX and Equifax and then they would remove it. I have done this about 7 times and they keep saying it's being verified but XXXX XXXX XXXX says they are not verifying the 30 day late. I have even written a letter to the XXXX XXXX XXXX about this issue. The 30 day late is on XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: VA

Complaint narrative:
I've been working with them to remove a 30 day late that is on my account. The banks dashboard was being updated and I did not want to be outside because of covid so when I paid them XXXX XXXX XXXX said they would refund me my late fee and take care of the 30 day late. XXXX did refund me the late fee but the 30 day late is still showing up on my credit reports. XXXX XXXX XXXX told me to dispute with XXXX, Experian and XXXX and then they would remove it. I have done this about 7 times and they keep saying it's being verified but XXXX XXXX XXXX says they are not verifying the 30 day late. I have even written a letter to the XXXX XXXX XXXX about this issue. The 30 day late is on XX/XX/2022 2022

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 2022-11-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I on my new home on XX/XX/2022, I paid the downpayment to the closing agent, XXXX XXXX. I closed on the house I was at another closing earlier in the day. So the proceeds were paid at the time of closing, which was processed at the title company as well. The transaction was handled by the realtor. I called my previous lender to let them know that the home was sold and Affiliated Title of Central Florida XXXX XXXX XXXX XXXX. I called the title company several times as the check for the payoff of my previous house seemed to be caught up in some kind of slowed down process. In the meantime, my previous lender was reporting the loan as delinquent. I called the lender to ask them why, they did not have a answer for me finally the title company sent the check to them but they reported the loan as being delinquent, for both XXXX and XXXX. I am enclosing the letter the Lender sent with their response. Both of our credit score where hit by more than XXXX points. You will notice in the document from the Lender that we had the loan for 2 years, every payment was made on time. I have a hard time understanding why if I close on a home, I'm still responsible for the loan. Freedom knew we were selling and they also sent a closing statement to the Title Co. It really hurt us at a very bad time and we worked very hard to make sure we pay our bills and I watch our credit. I asked Freedom if there was something they could do, they apparently feel they weren't responsible. Please respond

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have a soft inquiry from a company I did not give consent to pull my consumer report. I did not give them my non-public information ( ssn ) I do not know how they obtained my non-public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/2022, I called XXXX XXXX XXXX a partnering company with Exeter Finance for repossessions. I was told that my car had been sent to Auction today, and that I should set an appointment to come and retrieve my personal property from the company 's office. The letter that I received from Exeter Finance stated that I had until XX/XX/2022, with a 10 day extension option to submit a payment in full for a redemption of my vehicle. 

On XX/XX/XXXX, shortly after receiving the letter I submitted a tender for payment in the amount of {$16000.00} via certified mail with the return card # XXXX according to UCC 3-603 which states : ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

I never received so much as a refusal phone call, email, or notice that the tender of payment was refused by Exeter Finance, and that my vehicle would be sent to auction before the date stated in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: AL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: NH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the following companies/accounts have violated my rights ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-08 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: EQUIFAX, INC.
State: NH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, the following companies/accounts have violated my rights ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AR

Complaint narrative:
MOHELA claims to be having my loans transfered, but months have gone by, and XXXX says they have received no requests. 
MOHELA has nothing in my account to indicate that I have applied for PSLF more than once. 
I applied for PLSF in XXXX and have followed up for 10 months with few answers. I spoke with XXXX on the advocacy team on XX/XX/22 and was told my application issues would be reviewed. He gave me a number to connect me directly to the advocacy team. When I tried to follow up, it was a non working number. XXXX I applied in XXXX. I spent months calling MOHELA and was finally told this summer that XXXX did not transfer my account, because they failed to verify my current employer of 13 years ( though it was on the application ). Instead of verifying it, they transferred it in XXXX so MOHELA would have to do it, but it still had not been processed at all and never showed on my account. I applied several more times to MOHELA starting in XXXX. There is still absolutely no record that MOHELA has received my application. It just says my loans are in good standing on the MOHELA site. After many, many calls, I spoke with XXXX who said that XXXX had my loans recorded as still being with XXXX XXXX. In reality, XXXX transfered my application to MOHELA and my loans to XXXX. He said they would review the application and get it moving. I never heard another word and can not get in touch with anyone at all. None of their published numbers actually work. They just have 15 minutes of recordings and then hang up on you. I'm ten months into my application and can not get any help or answers, and I'm being given false contact information. 
I call every week and no progress is made toward moving my loans. There is no way to monitor the pending application. My account has been blank for months. They have not even acknowledged the applications they say they have received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Company foster and Garbus LLP send me a letter saying I was being sued sometimes at the beginning of XXXX, around XXXX of XXXX I send a certified letter asking for information in regards to the debt they accused me of owing, the bills I was sent did not belong to me it had someone else complete information. I am being harassed by this company and threatened to be sued. I requested information again they did not provide and threatened to sue. Finally, when they send me information did not add up to what they are accusing me of. They ask me to send my current information but I believe this is a tactic to use it against me as multiple times they did not send me accurate information but once I gave them more information they use it against me. They are saying my current driver 's license was used to open and online account in XXXX that's not possible and the information they send me is not from that year. They are unable to provide me with any information and continue to harass and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I bought the prepaid debit card and loaded XXXX and paid XXXX card fees When I tried to activate and register the card the customer service told me I had fraud on the account and could not use it. How is that possible I just bought the card less than one hour ago. The company is NetSpend. I want to attach documents but the system won't let me

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 2022-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Amex has pulled my report without my consent. I called and sent them a letter informing them about the issue. The representative told me he couldn't find my ssn in the system and that they never pulled anything but it's on my reports not once but twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
My prepaid card information was stolen, the person called Bank of America and change the address on my account and has themselves shipped a new card. Bank of America mailed them a new card and did not notify me of the change of address. I never reported my card lost or stolen and they cancelled the card I had in my possession when they mailed the new one. Once the person received the card they attempted to activate it online and it was denied, they then called Bank of America who activated it for them over the phone without requiring proof of identification. The person immediately spent the whole balance of the card. I attempted to use the card in my possession later and it was declined, I called Bank of America and they said my account was frozen due to being flagged for fraudulent activity. I filed a claim for reimbursement but was denied because too much time had passed. I was never notified from the bank that there was an address change, new card mailed or suspected fraud so I did not know to file a claim earlier. I have requested additional claims and have been denied each time.

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 2022-11-08 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
We already had a previous case from the CFPB ( XXXX ) that says it was closed on XX/XX/XXXX but we had no idea it had been closed because as of now we are still trying to get our money back. 
Citizens Bank allowed several fraud transactions back in XXXX of XXXX on our account and we have tried in good faith to get our money back and have gotten most ( {$15000.00} ) but are still waiting on over {$1000.00} a year later. 
We heard from Citizens as recently as XX/XX/XXXX when the fourth person they put on our case called and left a message saying she would call when she knew something. The others would call and leave a message and when we returned the call it always went to voice mail except with XXXX person, who was quickly taken off the case. 
The last phone call I received was on XX/XX/XXXX from a woman named " XXXX ''. We called her back on XXXX, and XX/XX/XXXX and again on XXXX but she has not returned our calls. 

This new complaint stems from checks cashed on our business account with someone else 's name on the check and someone else 's signature that were wrongly cashed by the bank. For one of the checks they are saying we will not get reimbursed because we waited over 30 days to make the complaint. This was a check written by a nursing home, which is far from what our business is, in a different state, with different, non-authorized signatures. The bank cashed it and we reported it well within the 30 day window, in person, at the branch. We have the bank representative as our witness, and we are her witness that she reported it over the phone as is their policy while we were there on XX/XX/XXXX of XXXX. The person we spoke with at the branch has been very helpful and does not understand what the problem is either. They have yet to reimburse us for 3 of the many checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VT

Complaint narrative:
This is to inform you we have just got confirmation about two weeks ago from XXXX bank that there were some incorrect billing errors on the account that then transferred to you. While we are still exploring how to work this out best, I do now understand why there was a delay in continue the forbearance with you, and you reporting that appropriately. I will add, my only grievance, at this time with the information we have, is that it is disappointing to see you failed to report I qualified for mortgage assistance relief in XXXX, did not communicate with the payment portal, which caused for a delay once you transferred it again ... and you failed to report that I was approved for the payment to the new servicer. They can see in the notes they have from you the application was pending, but you also did not report to them the loan was in forbearance... again, just causing delays from non relayed information, that seems to be from carelessness rather than direct intent. If you have suggestions on how you would like to see the incorrect mortgage amount transferred to you, please let me know, otherwise I will be in touch once I get more information from HUD and a lawyer on how to proceed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08 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: EQUIFAX, INC.
State: IL

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

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation