vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a major victim of identity theft and my personal information was compromised to a point beyond restoration. Recently, when I conducted a credit check I discovered that there are bankruptcies reporting on my credit report that were filed in the year of XXXX I never filed for a bankruptcy therefore, when I contacted the credit bureau to dispute the XXXX XXXX XXXX XXXX they told me to contact the XXXX XXXX XXXX XXXX XXXX. I contact XXXX and I informed their offices of the fraud and they conducted their investigation and concluded that the information were fraudulent and removed the fraudulent bankruptcies from my credit report. However, the credit reporting companies have not removed anything from the report despite the XXXX XXXX investigation that deemed the information as fraud. I request that the credit reporting companies remove the fraudulent and inaccurate information from the credit report because these bankruptcies were filed fraudulently and I will provide the documents with this report regarding this matter. I was able to obtain the documents from the court of bankruptcy and from the very first page it implicates the fraud in this matter.

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 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I have been working with Select Portfolio Servicing ( SPS ) for 2 years to keep my house from foreclosure. I have submitted all the documentation necessary, Prior to the due date of XX/XX/XXXX, to assume the mortgage and they have confirmed the submission and the assumption is now under review. ( attached document ). 

They stopped the Sheriffs Sale for XXXX. However, their attorney and/or SPS has XXXX my home back on Sheriff Sale for XXXX. On XX/XX/XXXX, I spoke to the sheriffs office, XXXX, who handles the sales and a package was already put in for my home to be put back on sale. 

I need my home taken off the XXXX sale to give me time to get the assumption thru and then to bring the mortgage up to date. Putting my house on the XXXX sale is going against what the company said. ( Letter attached ). They took my house off of the sale, but put it back on the next month. 

I have complied with this company for years! They have gone behind, over, around and under any morals and laws to try and get my house. The attorneys have not helped, mine and theirs. 

I have attached all the letters from the mortgage company and my notes when I spoke to the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
The appraiser required : " 1. ) The roof over the carport has leaked in the past, Repair roof if leaking and receive a letter from the roofing company that the roof is repaired. 
2. ) Replace rotten wood on wood deck and facial around wood deck and stain deck and steps. '' The realtor called a contractor but did not mention the leak to him. The evidence of the leak was repaired and the appraiser returned signed off on the appraisal and sent it to underwriter with the following comment. " Receive a letter from the licensed Roofing Company that the roof is repaired and leak should not reoccur. The subject property conforms to V.A. Guidelines. " Regions never the received the letter from a roofer because one was never done. The underwriter approved the loan we closed the loan. Regions feels they have no liability even though the VA specifically says " 36.4344 ( c ) VA minimum property requirements. Lenders are responsible for determining that the property meets VA minimum property requirements. The separate instructions issued by the Secretary will set forth the lenders ability to adjust, remove, or alter the fee appraisers or fee compliance inspectors recommendations concerning VA minimum property requirements. Condominiums, planned-unit developments and leasehold estates must have been determined acceptable by VA. A condominium or planned-unit development which is acceptable to the Department of Housing and Urban Development or the Department of Agriculture may also be acceptable to VA. '' The realtor told me the repairs were done, the evidence of the leak was covered up. The only way I would have know it wasn't fixed was if Regions had done there due diligence. This is a {$50000.00} repair.

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 2022-10-24 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: NV

Complaint narrative:
The Department Of Education has 2 discrepancies. 1 ) the open date is incorrect, I wasn't a student in XXXX I attended college in XXXX open date should reflect these dates. 
2 ) they reported XXXX late payment, which is incorrect. i was never late on any student loan accounts. I have XXXX  other accounts within the department of education which are both updated with correct information as far as no, late payment history and the open date are correct. the one false account needs to be properly investigated and deleted. I have disputed this account with the credit bureaus and the company. the dispute was closed 10 days later. leading me to believe their was a through investigation.

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 2022-10-24 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: NV

Complaint narrative:
The Department Of Education has XXXX discrepancies. 1 ) the open date is incorrect, I wasn't a student in XXXX. I attended college in XXXX open date should reflect these dates. 
2 ) they reported XXXX late payment, which is incorrect. i was never late on any student loan accounts. I have XXXX other accounts within the department of education which are both updated with correct information as far as no, late payment history and the open date are correct. the XXXX false account needs to be properly investigated and deleted. I have disputed this account with the credit bureaus and the company. the dispute was closed 10 days later. leading me to believe their was a through investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: NV

Complaint narrative:
The Department Of Education has XXXX discrepancies. 1 ) the open date is incorrect, I wasn't a student in XXXX  I attended college in XXXX open date should reflect these dates. 
2 ) they reported XXXX late payment, which is incorrect. i was never late on any student loan accounts. I have XXXX other accounts within the department of education which are both updated with correct information as far as no, late payment history and the open date are correct. the XXXX false account needs to be properly investigated and deleted. I have disputed this account with the credit bureaus and the company. the dispute was closed 10 days later. leading me to believe their was a through investigation.

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 2022-10-24 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I need the negative information off of my Chex systems for the information is inaccurate and false

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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: GA

Complaint narrative:
Received a promotion to open a checking account with a {$500.00} bonus after completing the following activities : Deposit {$5000.00} within 30 days Make 5 transactions within 90 days Enroll in online banking Opened with promotional code and enrolled in online banking. Performed the following activities : XX/XX/22 - opening deposit of {$100.00} XX/XX/22 - {$5000.00} new money deposit XX/XX/XXXX XXXX XXXX XXXX  XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX Account is in good standing and no promotion bonus as of XX/XX/22. Can provide more information if needed. Thank you

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 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
On XX/XX/2020, at approximately XXXXXXXX XXXX I applied online for an apartment.. I received and email at XXXX with information to access my application and a link to complete the application. I also received an email stating " almost done! '' at XXXX XXXX. At XXXX, I got an email saying, XXXX XXXX. At the same time I received an email stating XXXX will review my completed application soon. At XXXX the same day, I received an email stating " others on the application that will need to complete their application before the application can proceed. '' At that same time, I received another email stating, " oh, so close. '' " Remember, just because you have completed the application does not mean that you are finished with the leasing process. We still need to get your lease finalized. '' I did not do anything from that point on and chose to apply for a different apartment in XXXX. I applied got approved, and then, signed a lease with them. I have never XXXX did I complete the process -- as their email verifies. I am in collections because of, misleading practices. I am not unique to this deceptive practice. I saw the same complaint with the BBB after being contacted by a collection agency. They are taking advantage of college students who are looking for housing and weighing their options. We did not come to an agreement nor a meeting of the minds. I applied for an apartment but never completed the process, nor did a co-signer sign on my behalf, which was required. 

On XX/XX/2020, at XXXX, I received an email stating, " We hope you're excited as we are for Move-in Day! This was a surprise to me because I did not complete the process. I had already secured an apartment. I called to let them know I was not going to lease from them and did not complete the process. I was told I signed the lease when I applied for the unit and that I needed to find someone to lease the unit. I was not in agreement I have emails that support my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
For recording keeping, this is my XXXX letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my XXXX XXXX My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below. 

XXXX XXXX Account XXXX XXXX XXXX The date last active is different across the XXXX credit bureaus. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. 

XXXX XXXX XXXX Account number : XXXX The high balance is different across the XXXX credit bureaus. Experian high balance state {$0.00}. XXXX high balance states {$0.00}. XXXX high balance states {$1000.00}. 

XXXX XXXX XXXX XXXX Account number : XXXX Experian XXXX I have a 30 day late payment on XX/XX/XXXX. I paid on time XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I never consented to this information being furnished, and this infringes upon my right to privacy. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX / XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  via XXXX XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, XXXX XXXX, I received an ads email from the bank of America that if I apply to refinance my existing auto loan with the bank of America. I will get 0.15 % rate reduction. Limitedtime rate reduction will be valid and reflected in advertised as low as rates for applications for all loan types submitted between XX/XX/2022 and XX/XX/2022. Applications submitted outside of these dates will not be eligible for discounted rates. 

My existing auto loan is with the Bank of America. However, today the bank representative of the bank of America called to inform my refinance application approved with the interest rate almost 1.2 % higher than current existing rate. 

Bank of America has misled the customers to apply refinance by providing the false ads. I tried to call the bank of America and was talking and being transferred to different department for almost XXXX hour without being explained the false and misleading information. 

My case number with the bank of America is XXXX Please help investigate, as they told me the false emails were sent to many customers

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 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
today, XX/XX/2022 ; a transaction from a client of mine was erroneously sent through cash app to the wrong recipient this is not the first time, I am an XXXX in XXXX XXXX, my name is XXXX XXXX XXXX the cash app also has a person named XXXX XXXX XXXX whether on purpose or accidental this person has been occassionally sent $ by people trying to pay me Today, XX/XX/2022 ; a XXXX XXXX dollars ( {$1000.00} ) fee was acciedentily sent to XXXX XXXX XXXX ( not me ) instead of returning the $ by request the XXXX XXXX XXXX recipient cuts off all allowed contact and the person sending me $ $ is out and the $ money never gets to me Over the years I know this has happened multiple times XXXX XXXX XXXX cash app is continuing to accept $ meant for me I do not believe the person is an attorney To my knowledge not once has XXXX XXXX XXXX ever returned XXXX $ please help if merely to tell me how to proceed thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: LEXISNEXIS
State: GA

Complaint narrative:
This is my forth attempt connecting with LexisNexis in order to have false/inaccurate and unverified information ( bankruptcy ) removed from my credit report. According to the most recent dispute, LexisNexis stated, LexisNexis, however, is governed by the FCRA and in accordance with the requirements delineated in Section 611 of that statute. LexisNexis is stating that I failed to provide identifying information ( ID, social, address ), however they also failed to VERIFY my identity and the validity of the bankruptcy before adding the false/negative information to my report. Therefore, they are in VIOLATION of FCRA section 604 which states a Consumer Reporting Agency may furnish a consumer report, and as LexisNexis stated, they are NOT a consumer reporting agency. They are a DATA CORPORATION who has SOLD incorrect and defamatory information about me to third parties XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, this company 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 an account without my written instructions.15 USC 1681n ( a ) ( 1 ) ( a ) and 15 USC 1681o ( a ) ( 1 ) States that willful and negligent noncompliance by any person is liable to the amount equal to the sum of the actual damages. I had previously notified the company of these violations via notarized affidavits sent certified XXXX postal mail XX/XX/2022, XXXX 2022 and XXXX 2022. This company has continued to infringe upon my right to privacy and violate me willfully and negligently. I have sent them an invoice of ( {$61000.00} ) the actual damages of their failure to remain lawful. I have given instructions of how I can be compensated. I just want justice.

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