vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have repeatedly had issues with initiating disputes over the phone and in writing via mail to Transunion LLC. The representatives after verifying my identity, and fraud alert that's in place will not process my inquiry disputes and constantly are giving loopholes that discouraging and complicated. The FCRA gives consumers the right to dispute inaccuracies on their report and dispute inquiries that are done without the consumers consent. Following that, I submitted in writing in XX/XX/2022, account disputes accompanied with copies of proof of identity and address, signed with my legal signature. Transunion refused to process the disputes in writing. Following XX/XX/2022, Transunion sent a generic letter that did not adequately explain why my dispute was not processed. So, I called and spoke with XXXX XXXX in special handling department, and she confirmed the dispute was not processed. She told me that they would not access my documents to process the disputes and even after she verified my identity, the dispute was not initiated as I requested. On XX/XX/2022, I contacted legal counsel and had a document mailed to TransUnion making another request to initiate my dispute. On XX/XX/XXXX, I received a notice of the dispute results and as a result the disputes, Transunion re-aged the accounts, where my delinquencies were showing updated as of the date they were disputed. This is unfair! The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. Transunion is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.

I also have had negative experience with XXXX as well. This company never sent updated results of my credit disputes after the investigation was concluded and they re-aged my credit accounts as mentioned above whenever I dispute them. The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. XXXX is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.

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 2022-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Newrez LLC/Shellpoint Mortgage has failed to replenish and service our escrow account after erroneously taking money out to pay a private flood insurance due to them making an error paying our actual flood policy in a timely manner. 

Although the company finally acknowledge and paid for damages due to the mistake of not paying our policy and replenishing some of the money taken out of our escrow savings, the company has failed to refund the amount back to escrow of {$1100.00} withdrawn on XX/XX/XXXX. 

We have made numerous calls and spoken with many supervisors, all promising that it will be returned to the account as it should be since it was never meant to be taken out. This has been ongoing for 4 months since XX/XX/XXXX with no resolution nor the promised callbacks to verify for us that it has been completed and funds returned. The account does not reflect the amount of {$1100.00} being refunded anytime since then. 

An amount of {$2300.00} was returned on XX/XX/XXXX but the rest still not put back and ever since then it has been a circle of promises and no paperwork showing to us, the homeowners that this is completed. 

This has affected our monthly payments due to creating a shortgage which the company has assesed in a 12 month period, thus in turn making our mortgage higher. This is unnaceptable as we have never made a late payment to our account. If we paid late on the account any lender would want their money no matter what, to even go as far as take the house from us. We only expect better from our lender and so far is a hit or miss. 

We are tired of being lied to and having our escrow money mishandled in such a manner and are asking for assistance in this matter once and for all. Otherwise, we will have to be forced into legal means of fixing this problem as once again, it has created unwanted shortage of escrow, made our monthly payment go up and not returning funds that do not belong to the servicer is to be considered theft and a crime. The servicer was sent a complaint already and letter of error before. Lender fixed that problem but created another, so this is the second and will be the last time before legal recourse is taken by us.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
XXXX XXXX is incorrectly reporting a late payment was made on this account. 

I made a payment via their website in XXXX and the website confirmed a payment was made. Apparently there was a technical glitch on their website and the payment was never successfully processed. I, however, was not notified. XXXX then reported the payment as 30 days late to Experian Credit Bureau. 

I reached out to XXXX XXXX and they stated there was no technical glitch and left me on hold. 

This account has since been paid off in full.

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 2022-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUMMIT FUNDING, INC.
State: OH

Complaint narrative:
My husband and I applied for HAF ( Homeowners Assistance Fund ) through XXXX XXXX XXXX Ohio. We were deemed eligible and approved on XX/XX/2022 File # XXXX. I have been in contact with XXXXXXXX XXXX XXXXXXXX and they have now sent out ( 3 ) payments under the program to Summit Funding. I keep getting calls from Summit Funding asking me if I want to continue with Loss mitigation or go with the HAF program. I have told them now FOUR TIMES over the past month and a half that we are going through the HAF program. We have not signed off on loss mitigation and we are not going with that program. I have sent multiple emails to Summit Funding loss mitigation department with NO RESPONSE. I have also spoken with XXXXXXXX XXXX XXXXXXXX and they said they are sending payments through the treasury department but apparently Summit Funding doesn't see them coming through. I need to know what is going on. I filed a complaint a few months ago and Summit Funding responded saying as soon as we were approved through HAF they would work with them and accept payments. Now here we are and no one can tell me anything. Our mortgage is showing that we are still months behind despite the HAF making payments on our behalf. We are approved for behind payments and 6 months after until XXXX. We feel like they are trying to make us go with the loss mitigation and that is not what we are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: AZ

Complaint narrative:
On XX/XX/2022 I was issued a {$400.00} payday loan with an interest rate of 460 % by Spotloan.com. 

On XX/XX/2022 they contacted me via phone over a missed payment. I explained my situation & that I wanted to strech the payment out as long as possible. They later explained the best they could do was the end of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I requested debt validation from the bank via certified letter on XX/XX/2022. I gave 30 days notice for the bank to respond and provide me with the information that I requested. I received no response. 

Instead, I received a document from a third party debt collections agency dated XX/XX/2022 indicating the bank had closed my account and the letter stated that they were trying to collect a debt of an alleged amount that I owed the bank. 

I then sent a second letter of debt validation via certified mail on XX/XX/2022 to the debt collections agency requesting the same information. I also gave this company the courtesy of a 30 day period to provide me in writing with validation of the alleged debt, a true bill of the alleged amount they said I owed them, and a completed corporate government employee questionnaire. 

I received nothing in response to this first letter to the debt collections agency. 

I sent a THIRD letter via certified mail on XX/XX/2022 requesting debt validation, and I enclosed a copy of the original letter to the collections agency as well as the certified mail receipt as proof of the original letter. 

In return, I received a letter/statement from the debt collections agency that claimed this statement was the debt validation I had been seeking. This was a statement, not a TRUE BILL, which only showed one month billing, and an alleged overdrawn account with an alleged amount I owed. They did not provide me with the information I had asked for. 

I received another letter from this debt collections agency dated XX/XX/2022, stating that I still owe this alleged amount and demanding that I call them. They have not provided me with what I requested. 


The third party debt collection company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The third party debt collection company continues to harass me via mailed letters demanding I pay this alleged debt for an alleged overdrawn bank account that was never validated. This agency also continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.

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 2022-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received an email from Chime about my direct deposit form was included and I needed o fill it out, I do not have an account with Chime. This was XX/XX/24 XXXX right after that email I got another email saying welcome to XXXX XXXX XXXX and my account was successfully created an savings account and that it was linked with Chime. I closed the Chime account by clinking the link. I called XXXX But they asked me for my social security number which I would not give.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 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 2022-05-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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 2022-05-24 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: Applied Data Finance, LLC
State: CA

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: CA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Target Card Services Credit reporting dept Account Number : XXXX Im writing to ask again to look into the XX/XX/XXXX and XX/XX/XXXX missed payment that Target has reported to the credit bureaus. I am trying to apply for a home mortgage for my family of XXXX and it's come to my attention that Target still has not corrected these late payments. 

I understand my financial obligations, I have had this target card for several years as you can see and have never missed a payment so it was a shock to see these on my credit report. I spoke to a couple different Target Representatives over the phone which I'm sure you can pull the phone calls from XX/XX/XXXX through XX/XX/XXXX and I even have online messages speaking to representatives. They assured me if I paid more than the amount owed it would cover the NEXT monthly payment and that monthly payment would be XXXX. I also asked to change my due date to the XXXX on XX/XX/XXXX, target online messages stated they would change it to the XXXX of the month but yet it was never done so you reported XX/XX/XXXX as 30 days late when it was not. 

I know you have to report accuracy to the credit bureaus but these should not have been late especially when I was told if I made an extra payment or double payment in that month it would be applied to the following months. As you can clearly see on the attached document that I made a payment XX/XX/XXXX, you applied it to my XXXX payment and then I made another payment XX/XX/XXXX and you applied it to my XXXX payment coming up and I have a XXXX balance owed for XXXX. So this is true for the other months prior. So the XXXX late payment reporting is simply not true. 

Here is a break down of payments : XX/XX/XXXX - payment of {$210.00} for XXXX and XX/XX/XXXX ( XXXX was NOT 30 days late ) XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$80.00} for XXXX payment ( this payment was late but NOT 30 days late ) XX/XX/XXXX - payment of {$120.00} for XXXX payment XX/XX/XXXX - payment of {$400.00} for XXXX payment XXXX - XXXX balance owed XX/XX/XXXX - went ahead and paid an extra {$50.00} which Target applied to XXXX XXXX - XXXX balance owed XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XXXX - XXXX balance owed XX/XX/XXXX was not 30 days late because it was due XX/XX/XXXX and I paid it XX/XX/XXXX. 

Please fix these XXXX late payments to show not 30 days late, as you can clearly see I was told the extra payments would go into the next month AND I have proof as Target did just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WAFD BANK
State: CA

Complaint narrative:
The below formal complaints are related to XXXX of Washington Federal Bank XXXX locate at the XXXX  XXXX branch, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Complaint # 1 - Releasing Unauthorized Financial Information without prior Consent On the XX/XX/2022 and XX/XX/2022 upon request of the sellers 's agent XXXX XXXX released our financial information without obtaining our prior consent as per the Arizona XXXX XXXX XXXX form Loan Status Update as described in section 37 below of the LSU form but importantly violating the Privacy Act and 6 U.S. Code 485 - Information sharing Complaint # 2 - Discrimination & Unfairly Treatment XXXX XXXX treatment and continued request of additional financial information has been very derogatory and discriminating to say the least. While we have more than over qualified for the loan on the basis of the financial requirements and required amount for the down payment ( nearly 2 times ) after showing our list of assets and bank statements, she and XXXX XXXX kept asking for detailed of outgoing transactions worth {$1000.00} with inquiring to explain what the payments were for instead of focusing on the account balance which shows more than enough funds required to cover the closing costs. In addition during the course of the loan application they have asked for numerous copies of our pay stubs. 

Complaint # 3 - Abusive and Threatening On XX/XX/2022, XXXX XXXX threatened to deny our loan application because I was asking too many questions as I was trying to better understand the requested information and respond appropriately and not just follow blindly their instructions. The same belligerent and abusive attitude toward us have been throughout the loan approval process. She called me on XX/XX/XXXX on my cell phone and in a threating and disrespectful tone to ask me to stop asking questions or risk having my loan application cancelled. 

Complaint # 4 - Lack of Disclosure information and Mis-representation When asked on XX/XX/2022 about clarifying question on the closing cost amount not reflecting the latest closing estimate she stated that the closing costs estimate she quoted in her email included six ( 6 ) months of reserve. However when reviewing the latest signed closing cost estimated none of such information was mentioned. Furthermore when we received the last final closing cost from the bank on XXXX and compared it with the subsequent closing statement from the title company it was completely different by {$850.00}. They omitted many key and important items. Again another mis-representation from XXXX XXXX and XXXX XXXX. 
This deceptive, wrongful and mis-representation was rampant during the loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX ACCT # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief