vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
In accordance with the fair of credit reporting act XXXX XXXX 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 its 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 an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: Credit Karma, LLC
State: IN

Complaint narrative:
Credit Karma began running monthly unauthorized credit checks on me personally under a email address not mine but persisted for over 12 months. When inquiring about this with them nothing was accomplished nor information needed to address and uncover who was responsible for this. Pretty much same with identity theft and XXXX not being able to verify my identity and a problem with my bank and fraud you forwarded to comptroller of currency which I was falsely accused of fraud after repeatdly asking for help from bank only to be later completely and wrongly defamed accused and false statements from bank to comptroller. Due to repeated and unending attacks and no help or protection for any electronic device I am now completely and totally destroyed dignity character you name it. I was sent an email by you pertaining to a student loan I never opened nor know anything about and can not get answers to who where or any help or credit or life what so ever after this complete and total failure to help but I tried to do what was needed to assist but was stopped in my tracks everytime I tried. By theft data hacks and just outrageous ridiculous behavior I've have never witnessed nor seen in my XXXX yrs on planet and now getting worse thanks I had so much hope now I'm so physically and mentally destroyed and tired of all the false and just godawful things that I have endured due to such complete and total destruction of my health life and any desire to ask for help to stop wrongful and clearly illegal behavior. I can not endure all the misinformation financial or personal attacks and can't health wise endure a protracted and totally ridiculous reason to have to now hire attorneys and go after the bad actors. I was so hopefully my request for help would lead to good results only to further damage and lead to bigger and worse problems. I'm so disappointed and confused how a bank a credit reporting XXXX  and XXXX and XXXX XXXX such blatant and obscene behavior besides hotel stealing from debit cards and loans etc I cant contest or even attempt due to no faith or trust left to even ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: MI

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account DEPTEDXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX : Bank of America became Represenative, Assisted Living Accounts. Living at XXXX XXXX XXXX. With Mortgage and Vendor Accounts. My Vendor Account Wages Offset. Taken by Bank of America. My Mortage payments were taken. Housing Choice Vouncher. As XXXX of XXXX. Landlord to Tenants. All Landlord Guranteed Income, Incentive Payments. Collected by Bank of America. Bank of America card at ATM. Offered {$1000.00} a day. Was denied. Ask Bank of America My Represenative. The Company denied access. Have no Company. Fraud Company added to my Accounts : Company Name : XXXX XXXX XXXX. Number : XXXX - XXXX - XXXX XXXX. State XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using XXXX  address : XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Attach my phone. Adding a Recipients. Ask XXXX for Withdrawal. XXXX, neither admitted or denied. Would not release any cash. It been ( 7 ) years at XXXX XXXX XXXX XXXX XXXX, XXXX. No Payments from Rent Collected. By my Owner Represenative. Since XX/XX/XXXX to XX/XX/XXXX. Have not paid any my bills. Paid rent for Unit. I owned. Unit mold, mildew, since XXXX. No Wages for Vendor Service. Have No License. Bank of America has distribute to Recipients connected to Property : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Project : CA XXXX, Tenant/ Vendor Number : XXXX. XXXX threw Bank of America started another Landlord Account : Tenant Number : XXXX. Now have go into shelter. Need home to live. Money for bills, moving. Return of Offset payments. Thank 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 explanation
Consumer complaint received 2022-09-04 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: IN

Complaint narrative:
XXXX XXXX began running monthly unauthorized credit checks on me personally under a email address not mine but persisted for over 12 months. When inquiring about this with them nothing was accomplished nor information needed to address and uncover who was responsible for this. Pretty much same with identity theft and Equifax not being able to verify my identity and a problem with my bank and fraud you forwarded to comptroller of currency which I was falsely accused of fraud after repeatdly asking for help from bank only to be later completely and wrongly defamed accused and false statements from bank to comptroller. Due to repeated and unending attacks and no help or protection for any electronic device I am now completely and totally destroyed dignity character you name it. I was sent an email by you pertaining to a student loan I never opened nor know anything about and can not get answers to who where or any help or credit or life what so ever after this complete and total failure to help but I tried to do what was needed to assist but was stopped in my tracks everytime I tried. By theft data hacks and just outrageous ridiculous behavior I've have never witnessed nor seen in my 60 yrs on planet and now getting worse thanks I had so much hope now I'm so physically and mentally destroyed and tired of all the false and just godawful things that I have endured due to such complete and total destruction of my health life and any desire to ask for help to stop wrongful and clearly illegal behavior. I can not endure all the misinformation financial or personal attacks and can't health wise endure a protracted and totally ridiculous reason to have to now hire attorneys and go after the bad actors. I was so hopefully my request for help would lead to good results only to further damage and lead to bigger and worse problems. I'm so disappointed and confused how a bank a credit reporting outfit and XXXX and XXXX XXXX such blatant and obscene behavior besides hotel stealing from debit cards and loans etc I cant contest or even attempt due to no faith or trust left to even ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: MIDFIRST BANK
State: CO

Complaint narrative:
Midland mortgage has, on several occasions, reported me as missing payments or paying late when I have made every payment on time. I can prove this with bank statements and confirmation numbers provided by the company. I have had to make several disputes to XXXX XXXX to rectify drops in my credit score due to false reports from midland mortgage. I have spoken to the company about the issues they are having and each time they have responded with assurances that it will be fixed. They have recently referred me to foreclosure despite having zero issues with my payments.

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 2022-09-04 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX did a identify theft report on me cause someone at the bank was using my name and social security number to open and close bank accounts

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 2022-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX has, on several occasions, reported me as missing payments or paying late when I have made every payment on time. I can prove this with bank statements and confirmation numbers provided by the company. I have had to make several disputes to trans union to rectify drops in my credit score due to false reports from XXXX XXXX. I have spoken to the company about the issues they are having and each time they have responded with assurances that it will be fixed. They have recently referred me to foreclosure despite having zero issues with my payments.

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 2022-09-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Starting back in XX/XX/XXXX Bank of America mishandled my prepaid account I was receiving my unemployment  benefits on. Bank of America Blocked my account due to identity verification which I resolved immediately. They blocked my account for 4 months. As a result I ended up XXXX. Lost everything I owned In the process. Once my benefits were reinstated a few months down the line on XX/XX/XXXX I was involved in a car accident which landed me in the hospital for 3 weeks. lost my wallet in the process someone gained access to my account and made a few wire transfer via XXXX XXXX all transfers totalling {$4500.00} I called Bank of America to file Claim # XXXX two days later it was denied. I resubmitted over and over for the next few weeks each time faxing supporting documents and the outcome was still the same. Eventually I gave up because no help from bank of America. Almost 2 years later I still continue to XXXX XXXX XXXX XXXX   with my dog as a result of bank of America failure as a financial institution. I would like help with this issue.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On my report with Equifax my score is XXXX now if I don't have anything in collection, no late payments and the only inquiries are auto from Equifax and XXXX XXXX how could my score be so low. No repose, No bankruptcy, everything I see on my report is current so how is my score so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Since I've had credit karma since 2014. They state I am pre approved for credit cards or for loans. When I apply I get denied. So my credit score goes down and I have more inquiries. As of today cause of them I have high amounts of inquiries. Also some of them have ran my credit more than once. I talked to the company several times they say there is nothing they can do about it. I'm very annoyed and stressed about this. I have missed several apartments because of them. My credit being low from applying for things that they state I'm pre-approved or have excellent approval odds. I'm ready to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act Hyundai Motor Finance, has violated my rights. 

Hyundai Motor Finance recently took repossession of my car after I suffered a hardship ( was behind 2 months due to COVID-19 ). Spoke to a representative who asked me when I would be able to bring payment current - upon giving her a 5-7 day window- she explained to me that my vehicle was not currently in a repossession status as of yet but I needed to make that payment. Upon making multiple payments via XXXX  XXXX quick collect totaling over XXXX which was more than what was owed ( my monthly payment was roughly {$670.00} ) right after I made the payment- my car was repossessed a few days later. Upon speaking with the towing company the lady expressed that sometimes they will lie to get you to make the payment and still take the car. I was working from home and with no childcare ( which was due to my daughters dad having XXXX ). I had to cover tuition that month which is what put me behind. I am a parent with one income - so I had no idea that they towed the car. Upon calling they told me that I had to pay the whole loan balance off opposed to the {$1700.00} that they said was past due. Keeping in mind I paid my balance. The tow trucker driver told me that the system is automatic and that because I paid via XXXX  XXXX quick collect and didnt make the payment over the phone and it was the weekend Hyundai probably didnt know it was made. However, upon trying to explain my situation to Hyundai reps I was met with ridicule and condescending tones and one rep even disconnected the call. Ive been with Hyundai Motor Finance for a total of 7yrs that was my third vehicle in a row with them. So to be treated like that during one of the most low moments in my life was very hard. It impacted not only my mental health in the moment - but now I am without a vehicle, this will impact my credit as I am trying to save to purchase a home for my daughter and I. They refused to work with me only manipulate me into a payment just to go against their words. I am still lost and do not know what to do. Please help me.

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 2022-09-04 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: TX

Complaint narrative:
n 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON 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 2022-09-04 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX  IS THE ACCOUNT NUMBER IT WAS OPENED ON 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 2022-09-04 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
On XX/XX/XXXX I notified Freedom Mortgage that I was starting a new job on XX/XX/XXXX. I requested a little leniency ( No late charges & permission to make partial payments ) to re-establish my budget. While on this call, I made a partial payment of half of the mortgage amount with the next payment following XX/XX/XXXX hire, pending first paycheck. 

I was told that I was being provided a freeze, allowing me to make partial payments and no late fees until pending being up to date by XX/XX/XXXX. 

In XXXX, Freedom Mortgage reported a default late payment to my credit report as well as my co-signer. Our credit worthiness declined XXXX points. 

When I asked Freedom Mortgage the reasoning for this action against me, they stated they would conduct an investigation because there was a freeze on my account. Leading me to believe there had been an error. After a week of investigating. they instated that the freeze on my account did not cover negative reporting. They said I should have asked for a forebearance. This was something that shouldve been offered, but wasnt. My consistent payment history was not considered nor the effect of the negative reporting on my financial record with the credit bureaus affecting my credit worthiness and credibility. 

The negative reporting has tarnished my credit report as well as my co-signers excellent credit worthiness, plummeting both scores by XXXX points.

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 2022-09-04 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: PA

Complaint narrative:
I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has misapplied the funds of my escrow. I had a feeling that one day they would this happen. I have labeled everything on my check, and enclosed the letter stating apply to my escrow and continue to misapply the funds. 

I have enclosed Wells Fargo statement showing and stating it is unapplied funds. 

What is it going to take for this company to stop making these kind of mistakes when the letter and my checks state to apply towards the escrow, unless someone does not know how to read. I see this was done intentionally.

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