vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-06 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: ND

Complaint narrative:
We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: ND

Complaint narrative:
We have been on a Forbearance Plan which was offered by XXXX XXXX Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a VA Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

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 2022-07-06 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:
In accordance to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 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 2022-07-06 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: PA

Complaint narrative:
In accordance to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, XXXX  XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 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 2022-07-06 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX Inquiry : XX/XX/2022 JPMCB - CARD XXXX Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to you regarding Bank Of America Credit Card Account ending in XXXX. 
This account was delinquent, and I hired a debt settlement company that worked to settle multiple accounts on my behalf, including XXXX credit cards from Bank of America. The debt settlement company, XXXX XXXX XXXX, reached a settlement for this account for {$660.00} to satisfy the original account balance of {$1100.00} Payments of {$220.00} were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling the {$660.00} to settle the account. Attached are letters I received from B of A regarding the agreement to settle, as well as proof payments that were successfully made to B of A from the bank account of XXXX XXXX XXXX ( account ending XXXX ). These payments cleared successfully per the settlement agreement, but the payments were never marked as paid by B of A because this account is still listed on my credit report as past due as recently as XXXX XXXX  XXXX. I called B of A customer service myself on XX/XX/XXXX, and they stated that the agreement was considered broken as of XX/XX/XXXX due to nonpayment, which is incorrect as the entire {$660.00} was paid as agreed on the dates above. I reached out to XXXX XXXX XXXX  who handled my settlement and made payments on my behalf, and their case manager XXXX XXXX contacted BofA on my behalf ; B of A admitted by phone to misapplying the payments for this settlement to a different credit card account, but still refuse to mark this account as paid and settled, and so it still on my credit report to this day even though it was paid off in XXXX. This is still causing me financial hardship to this day, as it is negatively affecting my credit and causing undue problems when I have settled and paid all my debts according to agreement. I am asking B of A to honor the payments that were made per this agreement, and mark this account as settled as of XXXX when payments were made to them, so it can be removed from my credit report as delinquent.

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 2022-07-06 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX, My credit card account with apple was compromised and I lost all access to bill pay on the account. In XXXX, Apple reported that I was late on payments erroneously and that I was late on payments ( when i have no correspondence from apple on this ). I requested at this time that apple suspend my card. Now they have continued to accept charges on my card and have reported, again to the credit agencies, that i owe money on this card and was late in may, when my first correspondence was in XXXX on this. Please request that apple take these notes off of my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXXXXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: National Default Servicing Corporation
State: NV

Complaint narrative:
On XX/XX/XXXX thru XX/XX/XXXX I XXXX XXXX XXXX XXXX tendered payment in full thereto alleged mortgage company XXXX. Act of XXXX XXXX XXXX etc, .. XXXX XXXX. 

After tendered payment i have not received any communications from them since XX/XX/XXXX. On XX/XX/XXXX I filed a lis pendens with the local Constable and all parties therein were served due to no response knowing they would make an attempt to foreclose after refusing the tender of payment. I received another email notice another filing by XXXX XXXX XXXX alleging a sell of the death pledge or Deed of Trust on or about XX/XX/XXXX with no correspondence to me the XXXX title holder. 

On or about XX/XX/XXXX i received an electronic notice from the XXXX County Recorder stating someone filed a instrument on my private XXXX property. While at the same time i was prevented from filing my own instruments on my XXXX  private property. 

XXXX is the filler claiming to be the Trustee. When this property parcel No. XXXX lot XXXX latitude XXXX longitude XXXX. 

My private property is held within my XXXX XXXX  estate trust XXXX and is kept sealed. I have sealed court stamped documents showing the tender of payment and the exemption of my XXXX  property rather XXXX has sent a woman named XXXX XXXX to my Abode while i was out of the country on vacation celebrating my XXXX anniversary with my cohort. She place a open visible document alleging my home is in default and going into foreclosure on XX/XX/XXXX approximately XXXX where no one could recognize her but caught on camera her XXXX XXXX XXXX  as she parked a few houses down and proceeded to place the documents with blue tape on the Abode. 

She then returned writing on the document a date of XXXX on XX/XX/XXXX. She then returned on XX/XX/XXXX approximately XXXX pm while i was home and left another letter on the door with the same blue tape. I then called the XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX and they contacted XXXX XXXX. 

She stated to the Trustee XXXX XXXX XXXX that she was trying to help me save my home. She was warned that the home was tendered in full but she persist to use scare tactics stating the County Recorder has the home listed as in Default which is not true for the Clerk XXXX XXXX XXXX was notified on XX/XX/XXXX by XXXX XXXX mailings of the court orders to remove all instruments from my private Abode. 

It appears that XXXX and XXXX XXXX are working together trying to get me in a contract to sell my home, .. rather my Abode is not for sale and i didn't contact either of them for their alleged assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DRB-40, LLC
State: FL

Complaint narrative:
Harassed my family members, My mother and father to be specific. When I called them they did not ask me to verify who I was, they gave me my own DOB and asked if that was correct. They could have given out my DOB to anybody who called in since they didn't ask me to verify it. I asked for documentation to be given to me and told me they were not in a rush to send it because I was not interested in paying them. Threatened me with damaging my credit report if this was not paid.

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 2022-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
On XX/XX/2022, Professional Placement Services added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Professional Placement Services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06 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: FL

Complaint narrative:
On XX/XX/XXXX, My credit card account with XXXX was compromised and I lost all access to bill pay on the account. In XXXX, XXXX reported that I was late on payments erroneously and that I was late on payments ( when i have no correspondence from XXXX on this ). I requested at this time that XXXX suspend my card. Now they have continued to accept charges on my card and have reported, again to the credit agencies, that i owe money on this card and was late in XXXX, when my first correspondence was in XXXX on this. Please request that XXXX take these notes off of 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 explanation
Consumer complaint received 2022-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
I received a bill from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX for an attempt to collect a debt in the amount of {$280.00} on XX/XX/XXXX. I mailed in the request on their letter in the enclosed envelope, requesting additional information on the debtor and amount owed on XX/XX/XXXX. The letter states to do this by XX/XX/XXXX, which was done. I now have TWO derogatory remarks on my credit report from this company for the same " bill '' and have not received ANY documentation from this as requested as of today 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 2022-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hard Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


XXXX ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-XXXX  ( XXXX XXXX XXXX XXXX. ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud. 


-Truist Bank ( Bank ) XX/XX/XXXX I've written to the company and explained how these inquiries were unauthorized, they are fraud.

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 2022-07-06 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I took a cruise that was paid with a Best Buy Credit Card. My daughter, a minor XXXX XXXX XXXX, was not able to board because she had a positive XXXX test. At that moment a proof was presented, a claim was initiated, requesting the reimbursement of this ticket. They told me that before ands the cruise I would receive an answer, but I just receive a letter with a case number, and I had to contact the corporate office in XXXX. I did. I contacted them using different ways : by phone, E-mail, and regular mail ( post office ), without receive an answer. 
I initiate a dispute of the charge with the credit card ( {$660.00} ), but the credit card had denied me this refund, giving me different excuses. I had sent all the information to the credit card, include a dispute with the XXXX XXXX XXXX against XXXX, where the company accepts the mistake, but they are giving a credit to use in a future cruise to my daughter. The problem is that my daughter is a minor ( XXXX XXXX XXXX ) and she can not use it by herself. I have a couple problem with the cruise and the other credit card accepted my disputes and made the respective refunds, but Best Buy Credit Card had denied it. One of the reason has been that they had not received enough information or documents, but this is not true because I had sent all the information using different ways ( fax, and regular mail )

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