vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
Hello- I have been diligently tracking my communications with two mortgage companies that have made the process of coming out of Covid forbearance an absolute nightmare. What was supposed to be helpful has hurt our credit, our financial ability to pursue business opportunities, obtain credit personal and/or business credit, and our families emotional well-being. 

Please see the entire documented process at the XXXX XXXX link provided - ( XXXX : XXXXXXXX XXXX ) My main concern at this point in the process is that BSI Financial provided us with incorrect information in their loan modification paperwork and we agreed to something that was not accurately depicted. We were asked to continue making payments until the modification was complete. We received the paperwork on XX/XX/XXXX, and we had it signed and returned on the same day, with the understanding that the agreement was for a total payment of XXXX, as was clearly stated in the agreement. We then began making payments of {$1100.00} for the next three months, which we had to call and make through customer service. Never did a customer service representative tell us that we were making a payment that was less than what was expected of us. Only when we started getting late payment notifications did I realize something was wrong. I called customer service ( call recording in XXXX ) and they told me XXXX would need to handle it. XXXX states customer care should have been helping me. 

In addition to the incorrect modification paperwork, there is some blatant and hurtful disconnect with the non-disclosure that is being provided to a consumer that is agreeing to a loan modification. My total loan payment before the modification was {$1400.00}. Now, my payment is {$1400.00} on a XXXX loan? So I added 10 years and probably XXXX in interest ( I have no idea since I never received an amortization schedule ) to save {$10.00} a month? 

I have my real estate and mortgage loan originator licenses, and I know for a fact that this stuff should not be happening. It's been terrible for my family, and it's terrible for the industry. 

I don't think BSI understands the implications of the negligence of their handling of these issues. It is blatantly clear that they have significant issues with providing terrible customer service and I believe have moral and ethical issues. These issues are affecting families and providing stress beyond what is being seen on paper ... Look at all of these people being affected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: NY

Complaint narrative:
DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX AV XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX 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 explanation
Consumer complaint received 2022-12-22 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: Home Point Financial Corporation
State: NY

Complaint narrative:
i made my payment on XX/XX/2022 but XXXX bank CHANGED THE LOAN NUMBER IN XXXX without any notice to me the payment was returned that caused that bank claims i was missing a payment after the payment was returned the bank reported my late payment to the XXXX credit beuros, this is after the only problem was the bank it self!! I tried contacting the bank they simply laughed at me and didnt XXXXXXXX XXXX  help!! i was totally abused by the bank this is affecting me day to day bases as i can not get a new loan for a different property i have attched the XXXX bank satments proof they changed the loan number for the same preperty adress and proof of payments from XXXX  bank and the returen that i was not awaere of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: NJ

Complaint narrative:
I was a victim of identity theft and have a address that doesnt belong to me on my file and a bunch of inquiries inquiries : 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  NJ 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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Made payment of {$2500.00} on XX/XX/2022, the payment cleared my checking account the same nite! Now 13 days later and the creditor has not made this payment amount available in my available credit! Not acceptable. Why?

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 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover is advertising their student credit card as " NO CREDIT REQUIRED '' once I have submitted application I have ended up getting a hard inquiry. It's a false advertisement!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I made a {$63.00} payment to this card on XX/XX/XXXX using my checking account. When I logged in this month to make a payment it shows that I am over 30 days past due and when I checked my credit report they had also made note to the bureaus of the past due payment. I called Kohls call center and they advised that there may have been an issue or typo with the account information I used to make the payment. I made a double payment to make my account current on XX/XX/XXXX but when I spoke to the rep I asked about the 30 day late. Kohls NEVER contacted me to know that the payment was unsuccessful and did not give enough time for me to correct the issue prior to hitting the 30 day late mark even though during that time frame they reached out multiple times with promotional emails. I am just asking that the 30 days late is removed from my credit, as I've been working hard to repair my credit and this caused a XXXX point loss. Had Kohls contacted me to let me know of an issue with my initial payment I would've resolved this prior to incurring a derogatory mark on my credit. The rep on the phone said that once the payment cleared I should dispute the late with the bureaus since the blame fell on Kohls. They also charged me 2 late fees- {$29.00} and {$40.00} for this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A deposit was made to TD Bank with a check drawn on XXXX XXXX XXXX. The check was returned in error- with XXXX taking responsibility. The check was redeposited, and we were advised it would clear in 1 day ( We were not provided with a receipt showing the length of the hold ). Two days later, it was not cleared. I phoned TD Bank and explained what happened - I was advised the hold would be released in 20 minutes - maybe a bit longer. I waited 2 hours and went to a TD Bank branch to make a wire transfer - the hold was still in place. The TD Rep made some calls and re-entered a request to release the hold. Now I was told it would be REVIEWED within 2 to 24 hours. 

Because XXXX incorrectly returned a check, TD Bank returned an ACH debit from XXXX. I promised XXXX I would wire the funds today based on the initial information supplied to me by TD Bank. I called TD Bank again, and all I got were apologies and explanations. They were unwilling/unable to rectify the hold on my account based on the information they provided. The employees either don't know their policies or serving their customers is not a top priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: FL

Complaint narrative:
On XX/XX/2022 @ approximately XXXX I received a credit alert stating I had a XXXX XXXX on my Experian credit report, dated XX/XX/2022. The alert stated the inquiry was initiated by XXXX XXXX XXXX. I contacted the fraud department at Experian and advised them of the situation. They said that they would remove the inquiry and put a fraud alert on my account as well as the ones with XXXX and XXXX. They recommended I contact the Federal Trade Commission to report the incident, as it might be an identity theft situation. 

I then contacted XXXX fraud department and reported the incident to them. They advised that it had been an on-line application which had been declined. They said they would cancel the application totally and notify the credit bureaus to remove the inquiry.

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 2022-12-22 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: OK

Complaint narrative:
I had a check drafted on XX/XX/22. I mailed it in. I've checked my account and for the check to be applied to my account. And was told for 5+ weeks that they didn't receive the check. The check was cleared on XX/XX/22. I have been drawing interest All of that time. It amounted to {$40.00}. which wasn't supposed to be drawing interest. I've paid the amount because my account was still drawing interest. I believe that I was being charged interest even after they cleared the check. The card company is Avant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX 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 2022-12-22 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: NY

Complaint narrative:
DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Delete the Hard Inquires listed below : 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 non-monetary relief
Consumer complaint received 2022-12-22 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: 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. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. 

This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by XXXX XXXX XXXX XXXX app thats someone accessed my info. I also filed a FTC Report. 

Any company is supposed to contact me before hand regardless if an attempt is made to try anythi g on my report. U will also see i included that on my reports and in this report as well. 

The 2 unauthorized Hard Inquiries are listed below. I even have freezes and fraud alerts on there and not sure how it still got on there. As i will show u documentation that it was blocked originally. 

Experian is blaming the creditor, the creditor is blaming Experian and I been getting the run around. Then finally they told me it woukd be deleted in the next 24-72hrs but yet its still on my report. 

Duplicate Hard Inquiries : ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ARE ALL FRAUDULENT UNAUTHORIZED INQUIRIES AND I ALSO HAVE UNAUTHORIZED ADDRESS ON MY FILE AS WELL. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ 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 2022-12-22 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: TX

Complaint narrative:
My name is XXXX XXXX- I have been trying to do a better job at monitoring my report. I have requested that all 3 Experian, XXXX, and XXXX remove any negative reports that have been on my report for 7 years or more which Seven years is the length of time that many negative items can be listed on your credit report, as defined by the Fair Credit Reporting Act. I need this to be resolved so I can move forward in a positive direction.

Also - The significant difference in my FICO score some offering credit score only use certain agencies to make a judgment on how one appears according to their credit. I do my best to monitor each day the changes to my credit. My XXXX shows me at XXXX my XXXX is XXXX and my Experian score is XXXX However, when I look at my FICO score under additional scores for Experian- it shows a XXXX in regard to purchasing a home which is my ultimate goal. It also says ( As of XX/XX/2020 ) so this hasn't updated in 2 years? 
I also follow my FICO score with my Bank and they are showing my FICO score at XXXX. 

For those of us like myself who are doing what we can to rebuild our credit I am seeing that updates are not being made properly which leads to denial for First time home buyer Loans and Just ends up being a negative hit to my report yet it clearly says last update was 2 years ago? How is this fair to any consumer who is doing their best to have a better life? The problem needs to be resolved so those actually trying have a real chance. 

Please update my information and resolve these issues. 

Thank you 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 explanation
Consumer complaint received 2022-12-22 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: PA

Complaint narrative:
I have disputed XXXX XXXX XXXXXXXX payment history. I have disputed a missed payment from XX/XX/21 with all three credit bureaus, the credit reporting agencies have failed to delete this missed payment. The credit agencies have switched and rearranged the information regarding this payment numerous times including changing the date from XXXX to XXXX, because of this my credit is taking a tremendous drop. I want this missed payment deleted from my credit history 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
Consumer complaint received 2022-12-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed XXXX XXXX XXXXXXXX payment history. I have disputed a missed payment from XX/XX/21 with all three credit bureaus, the credit reporting agencies have failed to delete this missed payment. The credit agencies have switched and rearranged the information regarding this payment numerous times including changing the date from XXXX to XXXX, because of this my credit is taking a tremendous drop. I want this missed payment deleted from my credit history Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I was never given notification of right, to opt out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore llc purchased my mortgage during covid and while i was in loss mitigation from previous servicer.rushmore llc defaulted my mortgage and denied loss mitigation.My hid housing XXXX enrolled me into the state of new jersey XXXX XXXX XXXX XXXX delayed the process by not submitting documents required and reporting me late and missed payments to credit bureaus.Rushmore llc has many complaints online of these same pratices.also Rushmore llc continue call asking the status of mortgage and physically put notices on my door knobs

Company response to consumer: Closed with explanation