vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: TX

Complaint narrative:
XXXX XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. XXXX XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. XXXX XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete this account from my consumer report 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 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Recovery Associates, Inc.
State: NY

Complaint narrative:
I recently found out that I have a medical account in collections which was a surprise to me given I have insurance. I also learned that this debt was having a negative impact on my credit report as I am pursuing homeownership at the moment. I reached out and paid the collection balance in full where i was told that doing so they would remove the account given i was never aware of this debt and had I been it would of never made it to collections. 
That said the account was paid in full a month ago and I was never sent a letter of satisfaction for the account nor was it removed just updated to paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AXOS FINANCIAL, INC.
State: GA

Complaint narrative:
My husband passed away from XXXX XXXX XXXX, XXXX. I have been attempting to negotiate a forbearance agreement with Axos bank regarding my mortgage since XX/XX/XXXX. They rejected my request and I have been unable to make the payment. My house has been on the market since XX/XX/XXXX. It is now under contract and the closing attorney submitted a request to access signed by me for a payoff letter. That request was submitted approximately three weeks ago as we are scheduled to close XX/XX/XXXX. Just this week we finally heard that they can not process the payoff request because my name is signed on it and not my husbands name. In XXXX when I first began attempting to negotiate with them, I provided proof that I owned the house with my husband joint tenancy with right of survivorship and had subsequently transferred ownership solely to myself. In addition, I provided a copy of his death certificate. Axos has all the documentation to show that my husband is deceased and that I own the property. They are refusing to provide a payoff letter to the closing attorney which would allow me to sell the home and pay them. I can provide any and all documentation that may be necessary, I just need a payoff letter ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

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 2022-03-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I lived at the Residences of XXXX XXXX for over two-years without any late payment on {$3000.00} rent. I absolutely loved my unit and all of the amenities. The unit became uninhabitable for me and my then XXXX XXXX XXXX Daughter. I have Management/Ownership every opportunity to fix the problem. In the end they provided a de-humidifier and left us to suffer. I informed the Manager that I would be moving because I was not going to wait for my Daughter to get sick. I moved out, had the unit professionally cleaned, and returned the keys. We received a move out statement where they attempted to charge us a lease break fee and relet charges. In Illinois Tenant Remedy for an uninhabitable dwelling unit is lease break. I disputed the charges and requested my day in court. Instead, the Management Company and Owner Representative sent this erroneous debt to Collections. Now I'm faced with the negative impact to my credit.

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 2022-03-10 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: IL

Complaint narrative:
After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.

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 2022-03-10 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have a general purpose XXXX through Comenity bank. They have always had a strange cut off time, XXXX ET, which is XXXX hours earlier than other cards. But it was clearly stated, so I never questioned it. When I went to make my XXXX payment at XXXX XXXX on XXXX XXXX due dateI was confused that my payment was late and could not be processed until the next day. I paid my statement balance in full anyway. I, then, called multiple times to figure out the discrepancy. I was told that at the end of XXXX notices were sent out that the cut off time was rolled back to XXXX ET. They have my correct address, but I cant recall receiving my anything in the mail from them in recent memory. There is one notice if you log onto their payment page. I went through my email. I have dozens of email adverts and account notices from multiple accounts under Comenitybut not one specifically notifying the change in cut off. I was told that it was my fault for not being aware of their new cut off time and all late fees and interest would be assessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Concerning Chase Bank and a fraud dispute with XXXX. On XX/XX/2021 I received an email from XXXX saying my order was on the way. I immediately contacted them via email as it was XXXX at night and told them I didn't order anything, it was fraud. See screen shot of email I sent and reply. The following morning I called both XXXX and Chase, cancelled my cc and received a new one in time, filed a fraud ticket. I was told by XXXX not to worry, if I did receive the items to keep or donate them as that was their policy. I donated them. The amount of XXXX was removed from my cc on XXXX and then put back on the same day. It is still on my bill. I received a letter from Chase saying they determined it a valid transaction. I have called both companies many times, XXXX claims that because of the banks determination they can not deposit it back into my account on their end even though they admit it was fraud. I have reopened fraud investigation with the bank 4 times now with the same result each time, a letter weeks later saying it's a valid transaction. On XX/XX/XXXX I called Chase, was transferred to 11 different departments including fraud twice, ended up at Recovery and was able to have a conference call with both Chase, XXXX, and myself. Once again XXXX said directly to the bank representative that this was fraud, but because the bank determined it to be a valid transaction they were unable to deposit the money back into my account as that was their policy. I was told they would send me a check in the amount of XXXX. The bank representative promised me that he would notify fraud, and I wouldn't be charged extra fees on the amount. I never received the check and called XXXX again only to be told that they could not send the check either due to the banks determination that this was a valid transaction. In the meantime I received another letter from Chase saying this was a valid transaction. I have been told by XXXX that I need to contact the bank, the problem is I've done this many times with the same result each time, despite the conference call which I'm sure is recorded. I need your help with this as each time I get a different person, different answer, and no results. I have filed with the XXXX  re XXXX and have included the email from XXXX re : the bank. I believe that Chase needs to reverse their decision that it was NOT a valid transaction especially as they have been told by XXXX that is was fraud. I have selected the most recent communication with Chase and XXXX, I have previously sent many screen shots to Chase 's fraud dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME

Complaint narrative:
have not received the mortgage statement to pay my mortgage, my payment is due on the first and my late fee is on the XXXX of the month. My wife has tried calling them but no answer so we can pay my mortgage. I need them to send me the statement so i can pay and i do not want late fees. 

Rushmore is a XXXX servicer that has repeatedly refused requests to send me what is required by law, A monthly statement. 

They claim to have mailed it on XXXX. XXXX here we are a month later and USmail does not take a month to deliver

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: NV

Complaint narrative:
XXXX 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 Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage

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 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: IA

Complaint narrative:
We are trying to access our Mortgage statements from Truist Bank. 
We attempt to acces with Truist online services with a user name and password and are unable to either get into our account or we keep being sent back in to the login page. 
We called coustomer service at truist bank with th following results. 

XXXX XXXX 20 minutes wait at 29 minutes disconnected. no results XXXX  XXXX 60 minute + wait at 1:43 minutes disconneced. no results XX/XX/XXXX @ XXXX XXXX 30+ minute wait at 37 minutes disconnected. no results XX/XX/XXXX @ XXXX XXXX 40minute + wait at 1:11 minutes disconnected no results XX/XX/XXXX @ XXXX XXXX 30 minute + wait at 2 hours 2 minutes. I was able to speek with someone I requested that they not transfer me as I would be disconnected. 

Each time I spoke to someone I was transfered several time and the the call was dropped. 
The XX/XX/XXXX XXXX the call ended with a promise from XXXX to return a call on XX/XX/XXXX @ XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
ON XXXX I requested a replacement card to an existing current established account In excellent standing to date. This was because the card was breaking off the corner, and that the card product was made of poor materials which caused the problem. The company agreed to send replacement asap, but now, has lied regarding the process of replacement. 
They also agreed to increase credit limit by XXXX  Back in XXXX with out a hard credit file pull of which has not happened. 

As of my follow up today, I learned that they want to do a hard pull on my credit files just to send a replacement card?, and think I'm 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 2022-03-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

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 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: OH

Complaint narrative:
UPDATE CFPB CASE XXXX : The Pdf File sent by Lexis Nexis does not work, nor does it open. Let me iterate once again, as a consumer, I demand all my information be deleted both the verified and unverified data permanently throughout your system. That includes ANY affiliations or sister companies you may have, for example, LexisNexis Data Managemen or similar mechanisms. My previous complaint, was as follows : " On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written or permissible purpose to advertise or furnish my information and pursuant to the FCRA ( Fair Credit Reporting Act ) you are willfully committing a federal violation. Within thirty ( 30 ) days, I asked that you give me written notice of following my instructions. You are willfully noncompliant and according to the FCRA are liable for federal violations conducted, should you fail to reply I will pursue legal counsel. '' Failure to reply and I will seek legal counsel. Delete my information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: PA

Complaint narrative:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX, Transunion, XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX, XX/XX/XXXX of listed late payment XXXX. XXXX  XXXX XXXX of XX/XX/XXXX, listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.

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 2022-03-11 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:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX, XXXX, Equifax and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX XXXX XXXXXXXX, XX/XX/XXXX of listed late payment XXXX. XXXX XXXX XXXX of XX/XX/XXXX, listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.

Company response to consumer: Closed with explanation