vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 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:
I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-25 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:
I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

XX/XX/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 2022-07-25 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: LA

Complaint narrative:
i have inquiries on my credit report that are fradulent and i did not authorized 1 ) XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX  XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX  XXXX XXXX  XX/XX/XXXX 6 ) XXXX XXXXXXXX XX/XX/XXXX 7 ) XXXX  XX/XX/XXXX 8 ) XXXX XXXX  XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX 12 ) XXXX XXXX  XX/XX/XXXX 13 ) XXXX XXXX XXXX XX/XX/XXXX 14 ) XXXX XX/XX/XXXX 15 ) XXXX XX/XX/XXXX 16 ) XXXX XXXX XXXX XX/XX/XXXX theses are inquiries fraudulent listed on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I noticed your recent settlement with Bank of America concerning delivery of unemployment insurance through prepaid debit cards. I was eligible for unemployment insurance in New Jersey and was unable to access the funds using the Bank of America card and Bank of America was not helpful in resolving the issues. 

How do I go about ensuring my name is added for review as one of the people eligible to receive prior unemployment insurance I should have otherwise received? I've tried contacting Bank of America and their XXXX numbers do not know what I am talking about. 

Thank you in advance for your assistance.

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 2022-07-25 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: FL

Complaint narrative:
In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies states the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit reporting agencies have 5 days to notify me from when they receive my disputes. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.

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 2022-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity had a system nationwide outage that affected all its customers. I have been unable to reach anyone by phone and I wasn't able to log into any of my 3 accounts until today, XX/XX/XXXX. Completely unacceptable! All 3 of my accounts have miscellaneous fees, including XXXX XXXX  which I had previously removed. All 3 card accounts are closed due to previous issues with them. I have already been considering joining a class action lawsuit due to their negligence. 

My XXXX XXXX card, account # XXXX has the following fees that need to be removed : {$15.00} for XXXX XXXX {$360.00} in interest charges since I was unable to log in and make any payments of any kind, that should be waved. 
{$41.00} late fee should be removed since I was unable to access account. 

My Torrid Account, account # : XXXX : since I couldnt access my account until XX/XX/25, which is AFTER my due date, I should not have any late fees going forward for this month. XXXX XXXX has been removed and I want to be assured it wont pop up like it did on my other 2 accounts. 

Victorias Secret Account : XXXX was charged {$2.00} for XXXX XXXX, which I had previously removed. I need it removed and the {$2.00} refunded and I want to be assured it wont pop up like it did previously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only XXXX ( XXXX ) but this information has been left on the back end reporting for a company called ( XXXX XXXX XXXX ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
I sent a Principal payment in the amount of {$2900.00} which Carrington Mortgage received and cashed on XX/XX/XXXX. On that same date, they applied {$850.00} of that amount towards the Principal ( Curtailment ) ; however, the remaining {$2000.00} has remained unaccounted for. While this is the amount of my monthly mortgage, my monthly mortgage payment of {$2000.00} was auto-drafted from my checking account on XX/XX/XXXX. Once I realized that the payment was never properly applied, I contacted the mortgage company by phone on XX/XX/XXXX. The representative that answered stated that the funds were sitting in my account and were unapplied. She stated she would make a note in the file and forward the issue to another department to get the funds applied. She could not provide me a time frame in which the issue would be corrected. 

I continually watched the payment history on my account to see if the issue had been corrected. On XX/XX/XXXX, I noticed that the {$2900.00} had been listed as a " Principal '' payment as XX/XX/XXXX, but was also listed under the " Suspense '' column as ( {$2900.00} ), which indicates that it was removed. 

I contacted Carrington Mortgage once again by phone on XX/XX/XXXX. The first person that answered the phone stated that it was applied on XX/XX/XXXX. I told him that was erroneous, as it should have been applied on XX/XX/XXXX and that the company has continued to charge me interest on money that I have already paid. He placed me on a brief hold and when he returned, he stated that it would not be corrected because it was my error. He went on to state that I mailed my payment to the regular mortgage payment address, when I should have sent it to the " principal payment address ''. I explained to him that I sent it using the payment stub attached to my monthly billing statement. There is a line indicating " principal '' on the payment stub and that is what I use. Under the " monthly payment '' box I put " Auto Draft ''. I have been submitting additional principal payments in this manner to the address on the payment stub since XX/XX/XXXX with no issue. He stated that he was told by an individual in a higher position that they could not do anything further. I asked to speak directly to that individual. 

When I was transferred to this individual, I believe her name was XXXX, she stated that it was not because of where I sent it, but that they were unable to back date it in their system. I told her that was unacceptable. It was their error. They cashed the check on that date and I should be credited with the principal payment as of that date NOT two months later. She stated that she was going to reach out to a different department and would contact me back within 72 hours to follow up. It has been 12 days since that conversation and I have not heard back from anyone at Carrington Mortgage nor has my principal payment from XX/XX/XXXX been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I purchased my home in XX/XX/XXXX and it is now XXXX and my mortgage statement is still showing I have 29 more years to pay off my mortgage. In XXXX I file a XXXX  XXXX due to job lose, but I was still paying my monthly mortgage payment with XXXX XXXX. My mortgage was later purchased my XXXX XXXX in XXXX that reset my mortgage again to 30 years some years later after questioning them, the service of my mortgage was purchased by Rushmore mortgage again being reset to 30 years. I purchased my home for $ XXXX and my balance as of today is $ XXXX. These have refused to report my mortgage to any credit bureaus, I know that I'm being rip off. I know my house should just about be paid off and I had one remod during my bankruptcy but never had a refinance done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 : states a consumer reporting agency can not furnish an account without written instruction or consent. Please provide proof of written consent.

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 2022-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Since XX/XX/XXXX, I have contacted SantanderXXXX to catch up on payments I got behind on as a result of multiple tax levies post divorce. I received no response to at least monthly, sometimes several monthly, emails, until XX/XX/XXXX. I was given a modification packet, which I completed and returned. No response was received. I requested a status, got no replies, and in XX/XX/XXXX, was later given another package, which I completed and returned. Again, no response was received. In XX/XX/XXXX, I submitted the package through the portal, and was given a request to update. I updated all documents as requested. I complied with requests for updated profit and loss statements showing each employees income on XX/XX/XXXX. 
I called Santander XX/XX/XXXX, after receiving 2 letters dated 2 weeks prior to the postmark date, both of which had 14 day deadlines. I was allegedly sent a loan modification denial on XX/XX/XXXX, stating that my income, which is well over {$120000.00} per year, would not allow for a modification because the payment amount would be higher than it already was. I was emailed a copy of the denial on XX/XX/XXXX, and filed an appeal. It was sent via portal, email and USPS. No one has confirmed my appeal, and no one is responding to requests for an update. 

It is now 27 months after I requested information, and no resolution. Had Santander provided me with modification documents in XX/XX/XXXX as requested, not only would I have been far less in deficit, I would have been able to refinance in the last year, getting out of this horrible bank and taking advantage of a far better interest rate. 

I intend to do whatever I need to in order to keep my home, as they are now threatening to foreclose. They have failed to do anything they are supposed to under the federal guidelines, and unfortunately, it seems to be a pattern. No one acts until I threaten to file complaints with the appropriate authorities, so I am now forced to file. 
I have attached email chains to this document for review showing my constant attempts to contact them.

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 2022-07-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays bank acquired XXXX  rewards credit card from XXXX XXXX. XXXX XXXX  directed customers to make payment by XX/XX/XXXX as transfer would occur on XX/XX/XXXX. I paid my entire balance ( as I always do ) with XXXX  on XX/XX/XXXX. When account was transferred to Barclay 's they transferred from XX/XX/XXXX so charges that were already paid from XXXX are now showing on Barclays statement XXXX 

I called over 2 weeks ago, got the run around and then after getting angry and asking for a supervisor was told this was a " known issue '' and they were " working on it '' I have payment due in 2 days ( which I will pay ) but I am NOT paying interest on their mistake ( because it's going to appear that I am not paying my whole statement balance ) I also should not have to be keeping track of what I truly owe, when their website is showing completely different numbers. This is a multi billion dollar bank. I keep getting customer service agents in the XXXX who tell me " their back office is working on the issue '' I am concerned for the people who may not have caught this error as I did, and will pay the balance their statement says is due, when that is not correct. I feel like this is 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 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American First Finance, Inc.
State: FL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMER FST FIN Account Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1000.00} Inquiry XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections. 

15 USC 1681 Section 602 A sates I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent. 
15 USC 1681 Section 611 ( 2 ) ( a ) states the credit reporting agencies have 5 days to notify me from when they receive my disputes. 
15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: GA

Complaint narrative:
In 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 : Its 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 2022-07-25 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent. Provide proof of written consent or remove the item from the credit report.

Company response to consumer: Closed with explanation