vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I purchased a vehicle online. It ended up being a fraudulent dealership. The payment was wired to an account at Truist bank with ended up being withdrawn or removed by the fraudster. I called Truist to let them know about the situation so they could flag the account or not allow the perpetrator to withdraw the funds. They refused to do so and subsequently, the money has been withdrawn for the account and has not been recovered. 

The two issues are, my bank now is insisting that I still make payments for the car loan even without a vehicle. This could have been avoided if 1, the account was frozen when I called in. 2, someone opened a bank account in the dealership 's name, which the money was sent to and the bank should have done due diligence before opening an account by requesting documents and if that was done, the bank should release the name of the account owners to the authority so my stolen money can be recovered.

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 2021-07-02 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: IL

Complaint narrative:
This agency is in violation of 15 USC 1681a ( 4 ). They have infringed on my right to privacy and have not provided me with any information that I authorized the reporting of such private information. On XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/2021, I informed the consumer reporting agencies, XXXX, XXXX, and Experian of the violation and has received no response. It it plainly stated in section 611 ( a ) of the FCRA that failure to investigate disputed items within 30 days gives a reason to immediately remove them from my credit report. The reporting of this information is vital to my credit file. I am demanding this account be removed immediately or I will file for litigation due to the ongoing stress being caused. My information was also impacted by the XXXX  data breach.

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 2021-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I made a mobile deposit of an insurance check early on XX/XX/XXXX. Since it was a reputable company and a government account I was surprised the funds were not available the next day. I called the customer line at XXXX XXXX and was told they just needed to verify the check but it was scheduled to be released today. At XXXX XXXX I called back and was told it went through the fraud department and cleared and would be available by XXXX XXXX. I called again at XXXX and was told it cleared fraud and should be available anytime. I asked to speak to a supervisor because I needed to know exactly when. " XXXX '' got on the phone and said she put a 2 day hold on it. I wanted to know why and she had no explanation except because she could. When I explained the circumstances that my husband passed away last month and I needed the money she didn't care. She said the hold was staying. I asked to speak with her supervisor and she said she was the supervisor and the decision was hers to make. I asked to escalate the complaint and she said she was the escalation. At that point I became extremely upset and called her a bunch of names. She said if I really wanted to escalate it there was no one there but I could call the main office in Rhode Island. She gave me a phone number which turned out to be nothing more than a branch office. That branch office said they escalated a complaint to the chairman 's office. I'm not sure I can trust them now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have sent a dispute out to XXXX, XXXX, and Transunion that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.

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 2021-07-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent a dispute out to XXXX, Equifax, and XXXX  that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: EQUIFAX, INC.
State: CT

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I received a notification from XXXX XXXX XXXX on XX/XX/XXXX that our loan had been transferred for servicing to " Mr. Cooper on behalf of XXXX XXXX  '' with a link to set up a new account with Mr. Cooper. I have tried to set up the new account using the link every day since XX/XX/XXXX, but every time I get an error message that says " We're Having Trouble Finding Your Loan. ". I called Mr. Cooper today to try to verify that the loan had been transferred to Mr. Cooper. I spoke with two representatives, and I was told that they had no record of our loan in their system. It's been 10 days, and I am left in limbo, unsure who is handling our loan, no accurate communication from either servicer, and no way to pay our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: MS

Complaint narrative:
The information on this identity report for XXXX XXXX & the inquiry for XXXX XXXX  does not belong to me. This is a result of fraud & I am asking that this be deleted.

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 2021-07-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I received a bill in the mail addressed to my husband from Credit Management. L.P. They sent a very detailed, real looking bill attempting to collect a debt from XXXX  for the amount of {$59.00}. They provided a date ; XX/XX/2021. My husband logged onto our XXXX  account ; all bill have been paid, and payment is on autopay. When I XXXX  this company, the reviews came back that they are a fraudulent company that attempts to collect false debts. They have not contacted me any other way yet, but reviews said that they will call asking for personal information to close the debt and will make false reports to credit bureaus. 

They provided their information as : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone number to pay : XXXX www.creditmanagementoline.com

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was offered a cash advance on my Bank of America credit card and chose to borrow {$10000.00} as a cash advance to make a purchase. 

My credit score was XXXX before this transaction. I have not even had a first payment and this single transaction forced my credit score down to XXXX. This impacts my future borrowing capability and will increase interest rates. 

No other financial information on my accounts has changed. 

The change is egregious and no disclosure was made to the potential impact. I have contacted Bank of America and XXXX and received poor treatment and a total failure to explain why such a massive impact to my credit.

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
I closed on my home mortgage on XX/XX/XXXX which included a new home insurance policy premium paid in full, as well as 3 months of payments as a cushion. 

On XX/XX/XXXX, I logged into my insurance policy account to begin shopping for new rates since it was about a year later. Upon doing so, I learned that my insurance policy was cancelled, effective XX/XX/XXXX for non payment of an adjusted premium ( ~ {$300.00} ). 

Upon learning this, I contacted Primary Residential Mortgage Customer Service and Escrow department email on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of 18 emails, replying to myself only, as I never received a response. I received one response on XX/XX/XXXX confirming receipt for a letter sent to escrow department. Ive called several times and spoken to customer service reps and supervisors only who have requested I send a written request to escrow department, which I did on XX/XX/XXXX and again on XX/XX/XXXX, when I was told the letter sent on XX/XX/XXXX wasnt received even though the only response I ever received from PRMI was to confirm receipt of that letter. 

I acquired a new insurance policy and paid out of pocket ON XX/XX/XXXX due to the unresponsive nature of Primary Residential Mortgage. The insurance company charged a no prior insurance fee which Primary Residential Mortgage customer service supervisor believes I should have refunded from the insurance company, not PRMI. Over the phone, Primary Residential Mortgage states they never received a bill or call from insurance. They also state they didnt receive my letter that was also confirmed received on XX/XX/XXXX. 

I want to waive escrow from this mortgage as I can not trust they will manage paying taxes and insurance appropriately. Ive submitted a request to waive escrow and of course, received no response. 

This company is incredibly unorganized, unresponsive and rude. I have spent many hours trying to make this right, including paying for a new annual insurance premium out of pocket with no effort on their end whatsoever.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
I sent a debt validation letter to State Collection Services Inc. at beginning of XX/XX/2021. State Collection Services IncXXXX failed to validate my debt. Instead on XX/XX/2021 they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never sign a HIPPA Form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
Dishonest credit reporting and supervisor suggested student loans can not be inaccurately reported or retracted ; I submitted my payments online and they were returned for inaccurate banking information which resulted in a ding to my credit and Firstmark attempting to leave it as is due to their own system errors. 

Background : I called and amended this in XXXX, the first time the error occurred, and asked for my bank information to be input correctly to prevent the error occurring again. It was not. Since then 2 payments were reversed ( that I received confirmation emails for ) and I had to call in to inquire as to why when seeing they had not been debited from my account -- my account information had not been amended as I asked in XXXX. 

My scheduled payments are auto-populated from their history ; the number transposed is " X '' 'd out. Again, the account number was never amended. 

This resulted in 30 day late reporting and a series of back-payments to catch up on. Despite me attempting multiple times to pay on time -- their service and lack of compassion and understanding hit me with a derogatory mark. I explained this to a supervisor who decided instead to get upset about having to file a credit retraction ( which she initially said she would not do ; she thinks student loans are not eligible for inaccurate reporting claims and " promised '' me it would be denied ) and only admitted she could do it after I pressed her on my familiarity with the laws surrounding Consumer Protection and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 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: MS

Complaint narrative:
The information on this report is unauthorized and was not done by me. Please delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, Advance America located at XXXX XXXX XXXX XXXX XXXX, TX XXXX called my job and left a message with one of my co-workers asking for my call to be returned for a personal business matter. It was very unprofessional and not a good look for me to receive a personal call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Good day! 

I would like to seek assistance regarding our ongoing short sale request with the lender. We have exhausted all possible resolutions and efforts we can do on our end. We were advised Friday, XX/XX/XXXX that the investor approved our offer after 6 months of doing a short sale with them ( not to mention the previous months we waited with the previous servicer before the loan was transferred to them, Fay Servicing ). We comply with their request of {$260000.00} net although it seems unreasonable since their appraisal value is {$240000.00} only. 
Now, we are only waiting for the formal approval letter that was promised to us that until now we don't have any update yet. We did regular follow-ups via calls and emails. We were promised a callback but we have not received any response from the processor, named XXXX XXXX nor her supervisor XXXX XXXX. In short, we were left hanging without any idea what's going on or if there is any ETA. Everytime we called the processor is not available and the agent we will be able to spoke to does not have even any idea that the offer was approved. 
We informed them that we need to get this done asap since we also need to review the file for them to be able to issue their own approval which they can not do since they are waiting for the approval letter from the 1st lien. 
Our whole short sale experienced with them is horrible, frustrating, and very stressful.

Company response to consumer: Closed with explanation