vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2022 Bank of America put my second mortgage into foreclosure. After many hours on the phone with multiple people and departments, I received conflicting information from each person and each department, often within the same department. On XX/XX/XXXX I was served papers from Bank of America 's outside law firm XXXX stating my home will be auctioned off on XXXX XXXX XXXX. I've also been told that my account is in Bankruptcy. I've also been told that my account is pending for Modification review. Today I was told my account is NOT in bankruptcy. My account is not in review for Modification ( it was denied ) due to Bank of America stating the rent I'm receiving from my spouse was for another property. I don't own any other property. I wrote a letter explaining the income I ( rent ) receive from my spouse. Today I was also informed they have no knowledge of my home being put up for auction. They have no record of it. When they said they will check into it, they said they have 30 - 60 days to review. My home will be auctioned off before then. I will lose my home before they correct their serious egregious error. I've been trying to work out arrangements with them. I've been calling them and reaching out to them. I 100 % admit I am behind. I also admit I want to keep my home, and have been proactive in attempting to resolve this, with no resolution from Bank of America. Someone there is auctioning off my home in 5 weeks, but they don't know who? Please help me to resolve this. I want to continue making payments. I have been paying. I don't want my home auctioned off. There is no consistency at Bank of America. They are seriously dropping the ball often within the same department.

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 2022-04-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX. I am trying to get help! I used my card at atm at chase bank. When I put the card in to get my money it declined it for the amount but took it out anyway and it did not dispense any cash. The card I used was a ebt card. I told the bank they said its not there issue cause that card is not from there bank. So I made a claim with the XXXX  card and also called chase to make a claim with them. I dont know what else to do. I feel they should of given the money that belongs to me cause it was pulled out of my card. This is not right. It happened in XXXX XXXX, ca, so if you can help me I would be grateful. I suggest for people not to use the chase bank in XXXX XXXX they are rude. They do not want to help with anything or problem. So I believe if dont want your money taken and not giving back! Do not go there or to any of there atm machines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-07 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-04-07 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 everything on my credit report has to be 100 % accurate. 
the credit Bureaus stated that my account was properly investigated on numerous occasions. how could that be possible if for XXXX XXXX with account number XXXX the account number is different on XXXX from XXXX and Transunion, XXXX does not have an account type, the date open is inaccurate, the date last active is inaccurate, date of last payment is inaccurate and payment history is inaccurate on all three bureaus. 
Also, for XXXX XXXX with account number XXXX, the account type is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the term is inaccurate, the past due balance is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. 
these are grounds for removal, and they also violated my rights under 15 U.S.C 1681 section 602 A, which states that I have the rights to privacy. 15 U.S.C 1681section 604 A, section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX with account number XXXX and XXXX XXXX with account number 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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: CT

Complaint narrative:
Beginning the end of last year into the first few weeks of this year, I was XXXX  as a result of complications due to XXXX. Given that I was out of work and fighting for my life, I fell behind on my credit card obligations. Which included the credit card I hold with Avant. I was assessed a {$25.00} late fee on XX/XX/22 and a {$35.00} late fee on XX/XX/22. My account has since been brought current and I requested to have the late fees I incurred waived due to the unforeseen circumstance. I was denied and also spoke with a supervisor all to no avail. I wasn't even alloted a courtesy waiver of one fee. Which is a customary pratice among credit cards. Their response to their customers ' plight is reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am the cosigner on my sons student loans and started making payments on the loans while he was still in school in order to qualify for a reduced interest rate. His name is XXXX XXXX XXXX XXXX. Sallie Mae receives an electronic payment for this loan from my bank each month. I continue making the payments after he lost his job in XXXX when his employer closed because of COVID. 

I am not familiar with all the details but have seen many news stories reporting that the President had waived interest payments on student loans due to COVID. I reviewed the Sallie Mae loan records online and found that Sallie Mae continued to collect the interest portion of the payment during the XXXX period. The record shows that Sallie Mae has collected over {$2600.00} in interest on my sons loans after the Presidents decision took effect in XX/XX/XXXX through XX/XX/XXXX. I believe these funds should have been applied to the principal of the loans instead of interest. 

I believe my son and I have been cheated by Sallie Mae. I want Sallie Mae to recover the misapplied funds and apply them to the loan principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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, everything on my credit Report should be 100 % Accurate. The Credit Bureau stated that my account was properly investigated and updated on numerous occasions which could not be possible when XXXX XXXX with account number XXXX has various discrepancies on all three bureaus such as inaccurate open date, inaccurate date last active, inaccurate account number, inaccurate account type, inaccurate date of last payment and inaccurate payment history and XXXX XXXX with Account number XXXX has inaccurate account type, inaccurate, inaccurate credit limit, inaccurate date last active, and inaccurate date of last payment. these inaccuracies are grounds for removal. 
They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX refuses to remove all name variations, addresses and addresses I am not associated with from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have identity theft, there is a credit card that is not mine on my credit report from XXXX Bank that is not mine which was Opened XX/XX/22. I called the bank and they will not close or freeze the account without the application ID. I had filled out an application for a XXXX XXXX card in flight XX/XX/22 and you give the application to flight attendant. The bank told me the card only has my SS and they need me to call Experian. 
I have tried for 2 days and can not get a person on line only a recording that disconnects me eventually. I have spent hours trying. I called XXXX and they said I need a person at Experian but how? I was trying to save them {$16000.00}, help!! 
There is an incorrect name on my credit report, I do not know if this is part of it, if I could speak to a person and have it removed.

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 2022-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from Lien Enforcement Inc. for Tow and Storage fees incurred in late XXXX on a car donated to a California charity in XXXX. I responded to the notice via certified mail that I was not liable for the debt and included a copy of the DMV release of liability dated in XXXX. The certified mailing was signed for on XX/XX/XXXX. 

On XX/XX/XXXX, I received a voicemail requesting that I contact Lien Enforcement Inc. On XX/XX/XXXX, I received a second voicemail from Lien Enforcement Inc the agent left the name XXXX XXXX XXXX I called back and had a conversation with XXXX XXXX. During this conversation I stated that I was not liable for the debt and had sent evidence of that via certified mail. During this conversation XXXX XXXX stated that I was liable because I had failed to provide a smog certificate as required under CA XXXX XXXX Section XXXX. This is a false statement as the vehicle was transferred to an entity exempt from the provisions of section XXXX as part of a charitable donation. He also stated that it was fortunate that this matter was not yet in court and that it " had not yet impacted my credit. '' He went on to state that he might be able to work with his boss to reduce the amount owed. He offered to send me documents in his possession that showed that I was liable for the debt. I agreed that he should send me these documents via certified mail to my home. I also stated that any further communication should be by mail only. I restated that I was not liable for the debt before hanging up. 

I appreciate any assistance in resolving this issue on a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC
State: IL

Complaint narrative:
Admin Recovery has been contacting me numerous times on a daily basis. If I do not get the chance to answer the phone call, and I transfer it to voicemail, they will call back again. If I do that again, they will call again. They have contacted my sister, brother-in-law, father, mother, business partners ( coworkers ), mother-in-law, and wife. They continuously still contact them even though my family members have stated they do not wish to be involved. They have left me voicemails stating they know I am the vice president of sales for XXXX XXXX XXXX and they need me to voluntarily resolve this debt willingly. They have left voicemails that legal actions will be taken if not resolved. XXXX they contacted me 3 times from a number, and once from a unknown number. XX/XX/31 called me 5 times, 4 being an unknown number. XXXX called me 4 times. XXXX called me 5 times. XXXX called me 3 times from unknown number. I have copies of all the voicemails 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 2022-04-07 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I discovered accounts on my credit report that I do not recognize, These accounts do not belong to me. I have discovered that I am a victim of several breaches and identity theft. Someone has used my information and I have no idea who has done this. I want the accounts removed immediately! These fraudulent accounts are interfering with my credit worthiness and ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: IN

Complaint narrative:
On XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX, added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, & XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account 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 non-monetary relief