vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: GA

Complaint narrative:
on or around late XX/XX/XXXX my wallet was stolen in which I filed a police report with the XXXX police department in XXXX GA. my wallet contained my personal ieentification card, driver 's licencse, banking information, access number, bank, debit cards, various account password log list, vheicle insurance information and other senstive information that I could not recall. I have been seeing these fraudulent accounts on my credit report : XXXX opened XX/XX/XXXX for {$300.00}, XXXX XXXX opened XX/XX/XXXX for {$190.00} XXXX XXXX XXXX opened XX/XX/XXXX opened for {$300.00} XXXX XXXX XXXX  opened XX/XX/XXXX {$300.00} XXXX online company XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$300.00} fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX , I was also a victim of the XXXX  data breach, XXXX XXXX XXXX XXXX data breach between XX/XX/XXXX and XX/XX/XXXX, had my back account hacked XX/XX/XXXX. I have filed police reports on XX/XX/XXXX, XXXX, XXXX, XXXX and 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 2022-05-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have several CD 's with Synchrony Bank. On or about XX/XX/XXXX I opened the Banks web page and there was an add for a 16 month 2 % CD. I immediately opened the 16 month 2 % CD with XXXX. When I received written conformation the rate was 1.85 %. I called to complain and wa called a liar ( my words ) They said the 2 % didn't go in effect untill the next day yet it was advertised on the web page. I am a XXXX XXXX XXXX XXXX XXXX XXXX  to the Mass Senate, why would I lie. But for the add I would not have opened the account, CD. I spoke to the first banker 's supervisor and was told the same thing. I wanted to close the CD but was XXXX there would be an early withdrawal fee. Please help. I'm XXXX but did not make a mistake. I believe my age is why they are jerking me around. There had to be others that did the same thing. There web page may have been early but that wasn't my fault.

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 2022-05-31 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
collection account closed an paid collection company did not remove the collection from all XXXX credit beareus in a timely matter from my credit report..they have it in writing that its removed but only shows on XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
RUSHMORE LOAN MANAGEMENT SERVICE " Notice to agent is notice to principal I XXXX XXXX XXXX, XXXX as a n atual person I am writing to you under the Fair Debt Collections Practices Act ( FDCPA ) I am notifying RUSHMORE LOAN MANAGEMENT SERVICE of communicating with XXXX XXXX XXXX, XXXX as a DEBT COLLECTOR 1692 ( a ) ( 6 ).

I have been receiveing mortgage statements in violations of subsection 1692 ( b ) ( 5 ) ,1692 ( e ) ( 5 ) ,1692 ( j ) ( a ) ( b ) ,1692 ( c ) ( a ) ( 1 ) which has cause myself anxiety ( injured ). The debt collector require to ensure fair measures are taken for both consumer and collector by federal and states laws. Pursue to fedearl and state laws you have fail to take proper procedures by federal and state laws .You are civil liable to me for actual damage of {$83000.00} under the fdcpa 15 usc 1692 ( k ) this is my relief. Please be advised I will pursue both criminal and civil claims against you and your company for violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: IL

Complaint narrative:
please see attached document

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 2022-05-31 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and XXXX XXXX  XXXX Account 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 an 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 2022-05-31 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: MI

Complaint narrative:
For these two accounts i am disputing inaccurate dates are being reported my proof is being attached it shows my current report that's reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I live on XXXX XXXX in XXXX, Florida. It used to be called XXXX XXXX but was changed back on XX/XX/XXXX. In XXXX of last year I contracted XXXX along with my fianc. I contacted my mortgage company US Bank and entered into a COVID plan essentially putting a temporary stay on my mortgage payments. Fast forward to XXXX of XXXX, I was provided the loan modification documents and the address reflected XXXX XXXX XXXX, XXXX, Fl XXXX. I called the mortgage company and requested 3 times to change it to XXXX XXXX XXXX as XXXX XXXX no longer exists. Well they never changed it. I have attached the letter that was faxed and received ( I have the confirmation ) and mailed certified return receipt with confirmation on XX/XX/XXXX, XXXX XX/XX/XXXX I send back the loan modification documents and decided to send one set with XXXX crossed out and XXXX  written on top, then another copy that I added / XXXX XXXX XXXX after where it said XXXX XXXX XXXX XXXX I called US Bank and told them since they kept getting it wrong that maybe they will finally acknowledge to make the change. Instead I find out they cancelled my COVID plan and I had to reapply!!!! Well it wouldnt be that big of an issue except for the fact that during the first COVID plan my trial payments were {$1300.00} instead of my old mortgage of {$1500.00}. When I got the final loan modification documents it was going to be permanently {$1400.00} which would save me {$66.00} a month. However now when I reapplied the trial payments are {$1700.00} ( {$200.00} more a month than my original mortgage ) and when my final loan modification comes due after this trial period my mortgage will go up to {$1900.00}! Thats a {$400.00} increase all because the mortgage company refused to change my address to the proper legal address. I asked them over and over to please call or write to me and explain how it is legal to keep my address as an address that does not legally exist anymore only to be ignored. The worst part of this is, when I have to start paying the {$1900.00} mortgage will be when Im due with my second child which will be end of XXXX XXXX and will be on UNPAID MATERNITY LEAVE. I am a XXXX soon to be XXXX XXXX XXXX woman ( XX/XX/XXXX ) and am currently XXXX weeks pregnant ( XXXX XXXX  ). I have expressed this in writing and verbally to the mortgage company and it has fell on deaf ears.

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 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XXXX I received XXXX emails from Wells Fargo Bank regarding a checking account that was opened on XXXX through their phone center. I did not open this account, but was able to obtain what information the individual opened the account with. My name, social security number, email address, and mailing address were correct but the Louisiana drivers license and mobile phone number were incorrect. I contacted Wells Fargo to report this account was opened fraudulently. I live in XXXX, where there are no Wells Fargo accounts and the individual entered a XXXX XXXX mobile number and used a XXXX  drivers license number. Wells Fargo stated that it would take up to 45 days for their fraud team to address this issue. XXXX was the representative that I talked to by calling XXXX. She is in the XXXX XXXX department and gave me a case number XXXX. I have contacted all three credit bureaus regarding this.

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 2022-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : TransUnion - 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 non-monetary relief
Consumer complaint received 2022-05-31 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: GA

Complaint narrative:
The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : XXXX - XXXX XXXX - XXXX Experian XXXX XXXXXXXX

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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
So my problem is with XXXX Credit Card Company. I really feel like they're intentionally trying to get my application declined and i feel like its because of my race. My credit score is well over the required score and still they are giving me the complete run around. They are intentionally trying to drop my credit score y giving me a bogus excuse as to why i have to give them a call back, but every time i call back they are giving me a hard inquiry on my Experian. The excuse is my phone number hasnt been updated with experian. I updated my phone number with experian the first day i was notified by XXXX that it needed to be updated. i received an email from experian the same day stating my personal info was updated, but yet XXXX keeps giving me the excuse that my phone number hasnt been updated. Now when i call they give me the excuse that their system is updating and to call back in 48 hours. But they only tell me this AFTER theyve pulled a hard inquiry. So what they're doing is they're deliberately trying to keep giving me hard inquiries until my score no longer qualifies me for a line of credit so they can decline my application. This is not fair and i feel like its definitely racist. So many of our financial instituations are declining minorities for lines of credit during these times and its unconstitutional. Something has to be done about this immediately. I know im not the only one experiencing this type of discrimination.

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 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I contacted the company about a debt, they gave me the balance owed and I asked for information on it, and if they could send me something stating that once it is paid it will be removed from my credit report like they stated with me over the phone. They said they will not send me anything because they are not going to risk their company for a {$360.00} charge. So I decided to just pay it so they will no longer contact me. They said I would receive a receipt in the mail, which I have not. I disputed the account from my credit report and they rejected the dispute stating that amount is still owed to them. I uploaded a statement from my bank showing the charge and amount was paid since I have not received a receipt yet for the payment I made to them. They informed me they will not send a receipt via email, they can only send it via mail. This company is Online Information Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
There is an account on my credit report labeled Covington Credit. I have disputed this charge and have attempted to work with this agency to have this and all late fees associated removed from my credit report. Covington Credit could not provide me with any documentation or signature that I was responsible for this loan, nor do I have any knowledge of this loan. Could you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Hello, so starting on XXXX XXXX my mortgage payments started to not get applied to the regular payments. I reached out to Mr. Cooper and I was told that I had hazard insurance force placed on my account which was odd because I already have active insurance with XXXX XXXX XXXX. I also reached out to my insurance company and they didn't understand why either, so I called Mr. Coopers insurance company and they said it was updating in the system and told me to upload the insurance into their website which I then did. I was told everything will be takin care of. So come XXXX when I am at the end of my refinancing process when I receive the Payoff its stating I owe 2 months worth of interest payments and fees billed totaling around XXXX. I new this was not right so I went back to contacting Mr. Cooper and the insurance for Mr. Cooper and they both gave me the run around. The force placed insurance caused me to have to extend my refinance into the end of XXXX, I was unable to pay the regular mortgage payments on time because they were not getting applied correctly which caused more and more fees. I've had this loan for 2 yrs and never missed a payment until the hazard insurance was force placed. Please check out this issue as soon as possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect Items on my credit report, It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, am filing a bank fraud complaint for JP Morgan Chase Bank from my checking accounts. 

On XX/XX/20, I mailed a check to pay property tax. I dropped a check for {$6200.00} through USPS ' blue mailbox on the side of the street in the zip code area XXXX. A few months later, I received a letter from townhall about a missing property tax payment. I reached out to Chase and they showed me a check was paid to XXXX  XXXX XXXX to XXXX XXXX XXXX 's personal account. The mail thief stole my mail, changed the check 's payable name to XXXX XXXX XXXX and deposited the check to the theft account. 

I filed a dispute to Chase but they refused to pay back my stolen funds despite my repeated efforts for 2 years. If a check was modified, the initial and date is required, Chase should not have released my funds without proper procedure. 

I beg to inform this transaction was not carried out by me in any form. Please kindly look into this matter and guide me through the best possible solution to recover my hard-earned savings. 

Email : XXXX XXXX

Company response to consumer: Closed with explanation