vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Subject : XXXX XXXX XXXX TRANSUNION XXXX XXXX, XXXX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TRANSUNION XXXX XXXX, XXXX for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within XXXX days of receiving a request from the consumer for that description. 

TRANSUNION XXXXXXXX XXXX  XXXX also violated my consumer right to protection against inconsistencies among my credit reports under Section 15 USC 1681i ( a ) ( 5 ) ( A ) of the FCRA. Despite my dispute submitted on XX/XX/23, TRANSUNION XXXXXXXX XXXX XXXXXXXX has still not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring TRANSUNION XXXX XXXX XXXXXXXX adheres to the FCRA. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX sept. XXXX I applied for loan assistance, sending the application and required documents to XXXX XXXX in Loss/mitigation. She verified that she got it and would sens it to the underwriter. In XXXX, i tried to make a payment, i was able to save up some, and i was refused. i was told that it would interfere with the loan modification process. around XX/XX/XXXX i spoke with XXXX XXXX, the POC, because i got an application packet in the mail with a different POC name. she reassured me to ignore this, and that everything was ok with my application. in XXXX, ii received another packet, with another new name, when i called XX/XX/XXXX i was told there was no application pending, nothing on record, and that XXXX XXXX had a new job so i couldn't speak to her. He was very rude and refused to tell me who i could talk to. said he would send an email to the department. XX/XX/XXXX i called again and spoke with a customer rep named XXXX, she supposedly reached out to XXXX and reassured me that her or XXXX would call me back Nothing again. I called again on XX/XX/XXXX and got XXXX in loss/mitigation. She tells me that because my name isn't on the loan they cant help me and that its now in foreclosure. she said they needed successor of interest, supposedly sent me a letter previously. I have never received any such correspondance. i am on there as a XXXX party since XXXX  when my father passed and i inherited the home. further more i sent the deed and will several years ago, and they have done a defferment before. 
'

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Someone applied in my name for XXXX apartments and now this is on my credit report and I have never lived at either of the XXXX addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was told on XX/XX/XXXX my account would be closed by Bank of America I have now received a direct deposit from my employer and Bank of America refused to let me withdraw my funds. They can not provide me with an accurate date of when my funds will be released to me causing me to go into financial debt concerning my bills and rent.

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 monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2023-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
They did not perform an escrow analysis in the second year of the loan ( we are going into the XXXX year ). We were then hit by hurricane XXXX and they then notified me of the dramatic increase in escrow and told me it all had to be paid back in an unreasonable amount of time. I have since had the death of my sister, my father, and my mother and they are denying me service completely. They will not speak to me and are now sitting on insurance money and have stated that they will sit on the insurance money indefinitely if they do not receive receipts. I have told them, receipts do not exist. 

Planet home lending has been rude, condescending, entirely unhelpful in my family 's time of great need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AK

Complaint narrative:
Nelnet claimed I was taken out of IDR proc admin forbearance on XXXX XXXX, XXXX. This is not true. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AK

Complaint narrative:
I filed my XXXX paperwork and it was processed on XX/XX/XXXX. MOHELA never notified me. I consolidated all my loans into XXXX  loans with XXXX so that they would be ready to transfer to MOHELA once my XXXX paperwork was processed and it was determined that I was eligible. I was deemed eligible for XXXX, but my loans still haven't transferred ( as of XX/XX/XXXX ). Whenever I call MOHELA and ask to talk to a supervisor, I am placed on hold for a long period of time. For example, as I am writing this, I have been on hold for XXXX hour and XXXX minutes. I have yet to reach a supervisor, and the call center folks just keep repeating the same lines such as " it takes time for your loans to transfer. '' I understand this, but it has been almost XXXX months, and they have tried to do a XXXX transfer XXXX times. When I talk to XXXX, they tell me they haven't heard from MOHELA and they can't do anything to help with this process. I recently discovered that MOHELA was reaching out to XXXX to get my loans sent over. When I questioned them as to why they were reaching to XXXX, they couldn't tell me why. XXXX has never been my loan servicer. So over the past XXXX I've called both MOHELA and XXXX, and listened to each of these services blame the other. When I suggested we do a conference call, with a supervisor from MOHELA and XXXX, I was assured that that would not help resolve the situation. I also asked if I should resubmit the paperwork, but was told that is not the issue. Yet, when I ask them what the hold up is, they can't seem to pinpoint the issue, and, therefore, we seem to be at an impasse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please investigate the attached documents, focusing on accounts inaccurately reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX Account # XXXX ) ( XXXX XXXX  Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( Chapter XXXX XXXX  Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Accounts # XXXXXXXX ) ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Accounts # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX  XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( Chapter XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX  Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX XXXX  Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Accounts # XXXX  ) ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Accounts # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
File number XXXX. On XX/XX/2023 someone applied to for a XXXX credit card in my name " XXXX XXXX XXXX ''. I would like the XXXX inquiry removed from my report. XXXX has confirmed that it was fraudulent, and informed Transunion. I called XXXX and it was removed within XXXX hours. I have called Transunion XXXX times trying to get this removed and am told a different story each time. I have a letter from XXXX confirming it was fraud. I will upload here. Please remove the inquiry from my report.

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 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I went to XXXX Toyota of XXXX XXXX to look at cars. Upon arrival, a Sale lady approached me and asked me how can she help me. Her first question was " Is it the first time you are buying a car? '' I said yes. Then, she took me to see the cars. She convinced me to get the car by stating it was a good deal. I was told the car price was {$33000.00}. Then, when I went to the finance department, the price had change from {$33000.00} to {$38000.00} including my {$4000.00} down payment. I informed the guy from the finance department that the car price was {$33000.00} ; not {$38000.00}. He convinced me by saying as a new car buyer, this is the best deal I can get. They used my lack of knowledge to rip me off on a XXXX XXXX XXXX Toyota XXXX XXXX. 

After receiving the paperwork, I noticed the Total Sale Price of the car came up to {$61000.00} which was not discussed with me. Based on my research, a XXXX XXXX XXXX Toyota XXXX XXXX is only worth {$20000.00}. Toyota was a name brand that I trusted. Unfortunately, they failed me. Therefore, I need to cancel the deal. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I attempted to apply for auto insurance and received a letter stating that they could not extend coverage to me due to negative information on my LexisNexis Report. They should have not been able to access my report through LexisNexis being that I put a security freeze on it back in XX/XX/ and received confirmation it was frozen in XX/XX/XXXX XXXX  I will attach the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2023, the XXXX XXXX XXXX XXXXXXXX Account with the account number XXXX was removed from my consumer report. However, I noticed that on XX/XX/2023, this account was reinserted, resulting in a significant decrease of XXXX points in my credit score. This adverse impact on my credit score is now hindering my ability to apply for a credit card. 

I am formally requesting the removal of the aforementioned account from my consumer report. Moreover, I request assurance that this account will not be reinserted in the future. The abrupt change in my credit score has had tangible consequences on my financial options, and I believe rectifying this situation is imperative for my financial well-being. 




Under the requirements of the FCRA, as provided below, I am hereby requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

o ( I ) a statement that the disputed information has been reinserted ; o ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and o ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I learnt today that Wells Fargo gave me a mortgage forbearance during COVID that I did not request

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 2023-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
My loan servicer Lakeview Loan Servicing through https : //lakeviewloanservicing.myloancare.com has not provided me with an escrow analysis it performed on XX/XX/2023. 

I most recently called on XX/XX/2023 after noticing my XXXX monthly payment was raised over {$500.00} with absolutely no notice provided. 

I called the support line XXXX at XXXX XXXX  to request an explanation of the escrow analysis and their automated phone tree said there are no representatives that can assist. I have tried all possible combinations of the phone tree, including making a payment through a representative, and all avenues lead to having the call end after an apology message is read. 

I followed instructions to the Document Center that should provide a self service option to download the analysis. There are no historical or current escrow analysis present.

As it stands there is no way for me to contact my servicer about this.

1. They provide no email option 2. Calling does not lead to any menu option or representative that answers my question.

3. Their online contact form only handles specific payment requests, not questions of the escrow analysis.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair Credit reporting act 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 has violated my rights! Also i was never late on any of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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