vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AVANTE
State: MO

Complaint narrative:
I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: NY

Complaint narrative:
Account Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ( original creditor opened XX/XX/XXXX ) After carefully reviewing my credit report, I recognized there are several discrepancies. This collection account is reporting not only as OPEN but it also shows a PAST DUE amount balance of XXXX as of XX/XX/XXXX. 

Nothing happened.

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 2022-09-08 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:
In accordance with the Fair Credit Report act Convergent Accounts DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF ED/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, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
My student loan is a spousal consolidation loan. I worked in XXXX XXXX for exactly 10 years before retiring. Under the current Biden Student Loan Waiver, I am able to apply for PSLF even though I am retired. I actually applied before I retired to ensure my payment count was correct. It was incorrect but I wrote to them and asked them to relook at the payments and they found 118 of 120 needed to qualify for forgiveness. 

Fed Loans said that I was in forbearance for 2 months and I checked my records and have all the paper work that shows that the reason for the forbearance was a DELAY in them calculating my Income Based Repayment so they suggested/co-oerced me into accepting a month of forbearance, knowing full well this would affect future payments from counting for PSLF. 

So I completed the paperwork for forbearance for those two non-consecutive months ( XX/XX/XXXX & XX/XX/XXXX ) and the ONLY reason I had a forbearance was because of THEIR delay in recertifying my Income Based Repayment plan and them reaching out to me to encourage me to file for forbearance while they recalculated my payment. I resumed payments immediately upon recertification both times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX I logged into my Bank of America ( BofA ) account to pay my credit card. Even though my due date was not until XX/XX/XXXX, I wanted to get it done before the XXXX. After I review my account, I proceeded with the payment, received a confirmation of the payment on the screen, logged off, and moved forward to start my labor day weekend. In the meantime, I also confirmed some " no fraud '' activities that the bank was concerned about a few days ago. 

On XX/XX/XXXX, I received an email from my financial advisor that I'd been charged a late fee of {$25.00} from BofA. I logged back around XXXX am on XX/XX/XXXX, and I noticed that the payment I submitted on XX/XX/XXXX, was actually canceled without any explanation. I never received an email after I submitted the payment, that my payment was canceled, and was simply charged a {$25.00} late fee. 

I first called my financial institution ( XXXX XXXX XXXX ) to see if the problem was on their end, but they confirmed that everything is fine with my account. 

Shortly after I called BofA customer service and at first they did not know what was the problem, but immediately blamed me that I canceled the payment. When I asked to discuss this further with their managers, they kept shifting me to another person, who was reading a script to me about " the late fee is valid '' ; however, they could not find any written verbiage in their terms and condition that described my situation. After speaking with 4 different people, and never the manager, and spending XXXX and XXXX minutes on the phone, I was exhausted, and could not believe that we spent XXXX on the phone. 

In this case, I feel that my XXXX  been inappropriately taken without any further explanation, and I feel they stole from me. I have 8 credit cards and never had any issue with any financial institution before, and I feel BofA does not care about their customers, and can't believe they can take money from a customer account just like that.

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 2022-09-08 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: CITIBANK, N.A.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX  # 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 also 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 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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: RI

Complaint narrative:
Credit karma said I was pre approved for a credit card and when I applied I was denied and sent an enquiry to my credit and reduce my credit score and they said it will not affect your credit but I'm stuck with enquires on my account and reduce my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: CA

Complaint narrative:
YOU DID NOT VERIFY MY BANKRUPTCY AS REQUESED PLEASE FOLLOW THE FCRA AS PER THE LAW. PLEASE READ THE RULES AND FOLLOW THEM AS REQUIRED BY LAW. 

Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification. I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 4 ) What was the date of your inquiry? 5 ) How long was the conversation? 6 ) What was the position of the individual you spoke with? 7 ) What number did you call? 8 ) What is the name of your employee or their I.D . number of the person that spoke with directly? 9 ) What number did your employee call? 10 ) What is the position of your employee that spoke to the at the Bankruptcy court? XXXX did not follow the law, the Fair Credit Reporting Act section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. It not delete the Bankruptcy from my credit 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 2022-09-08 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: First Financial Resources, Inc.
State: FL

Complaint narrative:
today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that FIRST FINANCIAL RESOURCE furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and FIRST FINANCIAL RESOURCE. of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with XXXX ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that FIRST FINANCIAL RESOURCE obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. 

I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my XXXX ( Report Number : XXXX ) And XXXX XXXX Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. 

There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my XXXX ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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:
today i spoke with a agent named " XXXX '' but i do not believe that is his name since he refused to give me a last name. i asked him about two accounts that XXXX XXXX XXXX furnished on my report. he stated they were mine, i conditionally accepted to pay the debt if he can show me a wet ink signed contract between me and XXXX XXXX XXXX of course he could not provide with me such contracts since i don't owe Them any debt nor ever heard of them prior to me monitoring my Report, so i demanded the removal of the debts off of my report since it has been making it difficult for me, as a consumer to receive any lines of credit in the past. i previously disputed the accounts multiple times with XXXX ( Report XXXX XXXX ) and it kept coming back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. i also have a suspicion that XXXX XXXX XXXX obtained addresses from my report without my permission and updated it on their file to match my report. He also informed me of their attempt to " contact '' me at my father 's address in which i have not resided in since XXXX and he also told me they tried to " contact '' me at a phone number i had in XXXX which i do not know how they obtained it since that was new number i got in missouri while i was in college. 

I also had an issue with XXXX XXXX XXXX furnishing a collection account which were deleted off my XXXX ( Report Number : XXXX ) And EQUIFAX ( Confirmation number : XXXX ) Reports which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy since i never Gave any PERMISSION to furnish such accounts. 

There was also another company that furnished a collection account on my report without my permission and i have never heard of them before. XXXX XXXX XXXX reported a collection on my XXXX ( Report Number XXXX ) Report which also impeded me from obtaining any lines of credit and violated my consumer RIGHT to privacy as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: NY

Complaint narrative:
Account Name XXXX XXXX  / XXXX XXXX ( original creditor opened XX/XX/XXXX ) After carefully reviewing my credit report, I recognized there are several discrepancies. This collection account is reporting not only as OPEN but it also shows a PAST DUE amount balance of XXXX. As of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Hello, I had taken a Mortgage loan from XXXX to purchase a house in XX/XX/XXXX at XXXX, Texas to be repaid in 360 monthly instalments of {$740.00} each. As per the Closing documents I don ' need to pay Escrow balance for taxes and insurance. 
The taxes and insurance are to be directly paid to the authorities by me. However, the mortgage co. inadvertently paid the property tax and utility taxes from escrow account in XX/XX/XXXX. Not knowing that the lender had paid the taxes, I too paid the taxes in early XXXX XXXX was time to pay taxes until XXXX XXXX without penalty. 
The tax authorities encashed my checks and kept on hold the checks issued by the mortgage company. Since there was double payment of taxes, I had to follow up with the county and utility district for refund of the excess amount. After getting the refund, the fund was immediately sent to the company. They credited the property tax to the escrow account but the utility tax was credited to the principal. I called them several times to rectify the mistake. Even after three months since no action was taken by the lender I again paid the utility tax in order to wash out escrow balance. 
Finally, in XXXX the escrow balance became nil. In the meantime, Home point sold the loan to Freedom mortgage. 
Now Freedom mortgage has asked me to enhance the monthly payment from {$740.00} to {$1200.00} from XX/XX/XXXX to include provision for escrow balance. 
IT IS A CLEAR VIOLATION OF THE TERMS AND CONDITIONS OF THE LOAN AGREEMENT SINCE I DO NOT NEED TO PAY INSURANCE AND TAXES BY WAY OF ESCROW ACCOUNT. 
I spoke to the company personnel several times pointing out what had happened but the discussion was futile. 
Instead of rectifying the error they are repeating the mistake which the pervious company had committed. 
I want the mortgage company to honor the original terms and conditions whereby the monthly instalment is {$740.00}.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have two credit inquiries on my credit report which I didn't authorize and are a result of someone using my name and personal information. The two fraudulent credit inquiries are : XXXX XXXX Equifax Mortgage Service XXXX XXXX is reporting a negative mark on my credit report which was a result of identity theft. They sent me a letter stating they can not validate the debt, they have refused to sign a sworn affidavit stating that the account in question was mine and that they have a signed contract with my wet signature along with the wet signature from someone in their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hi, Starting in XX/XX/XXXX I established a monthly membership with XXXX XXXX XXXX for XXXX a month. I had this membership for 6 months ending XX/XX/XXXX. Since the start of the membership, I called the XXXX XXXX XXXX on multiple occasions to schedule a home service. Every time I have scheduled an appointment they failed to show up for repair. I had scheduled repairs at least on 8 different occasions during XXXX, XXXX & XXXX. Since I was not able to schedule time for the repair I have called to cancel my contract and called CapitalOne to refund my monthly dues of XXXX for 6 months. 

Capital one refunded my account for all of the months, but came back and charged my account for 4 months. As a result, I was refunded for only 2 months. I am disputing the 4 months and requesting that I get refunded fully for it. When I called CapitalOne they refused to share any documentation explaining why I am being charged for 4 months out of six. By refunding 2 months out of the 6 months XXXX has admitted that they have failed to provide the contractual agreement and I should get refunded for all of the months. 

Here are the transaction dates as they appear in my statement. 
XXXX XXXX XXXX XXXX Date Post Date Amount XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX {$49.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX M.O. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX M.O. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation