vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: CO

Complaint narrative:
We engaged BOK FinanciaXXXX for an XXXX Commercial Property Loan to purchase a commercial property. We closed on XX/XX/2021. 

Since closing - A ) All statements / monthly bills are being sent to the wrong address. I requested a change of address in written format via the form provided by BOK Financial over a month ago. I received no confirmation that the change of address took place. 
B ) I have reached out repeatedly to the lender to provide online account access for monthly payments. BOK does not respond to my requests and nobody can even answer the question about whether or not online bill pay exists. 
C ) There are late fees being applied to my account. However, since I have no access to the loan documents online and all of my mail is going somewhere else, I have no way to monitor or dispute the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-02-07 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC
State: MI

Complaint narrative:
Debt {$980.00} on credit report from mountain run

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have never opened an account with XXXX XXXX yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX  XXXX, MO 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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have never opened an account with XXXX XXXX yet there is a charge off account on my credit report stating that i owe {$50.00} when I never opened an account with this company. I shouldn't have false information on my credit report and i dont believe i should be penalized for inaccurate information. The bank information is XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX. I am writing on behalf of my situation with PNC in XXXX XXXX FL ( XXXX XXXX XXXX XXXX ). They are holding my funds from me for no logical reason. On the XXXX of XXXX I deposited a check given to me by a customer who bought a painting from me. PNC said they were going to hold the check until the XXXX. On the XXXX if XXXX they took the check from my account and said it was not legitimate. On the XXXX they locked me out of my account and access to my funds due to fraud alert. I went to the branch and they said my account was shut down and they would mail me the remaining funds in my account in 7-10 days. It has been 21 days. After calling every week and talking to 3 different people all telling me they cant help me, today I had a scheduled appointment with a branch member. They made me drive to the bank just to tell me the same thing theyve been telling me on the phone for weeks. They said they have no idea when Ill get my money and its out of there hands. I was late on rent because my funds are being held for something that isnt my fault and my landlord charged me an extra {$200.00} for being late. How was I to know the check given to me from a customer was fraudulent!? I have {$480.00} remaining in that account that I have zero access to and 6 different people have told me its out of their hands and they have no idea when Ill get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Deposited a 14000 check. Receipt said it would be available next day. After the fact Wells Fargo put a hold on it. Said funds werent available. It was a check from XXXX insurance on a XXXX XXXX XXXXXXXX account

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 2022-02-07 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: MI

Complaint narrative:
I have been a victim of identity theft. See attachment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
My federally protected consumer rights have been violated. See attached documents 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 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
Last Summer, I was approved for COVID-19 rental assistance. My apartment ( XXXX XXXX Apartments ) agreed to work with the program ( XXXX  XXXX by XXXX ) and we all signed the contract. They received rent in arrears via mailed check in late XXXX or beginning of XXXX. The program also pays for XXXX additional months ( XXXX ). My apartment complex 's manager didn't know about the 3 months of additional funding, so she emailed over the ledgers 3 months late to receive payment. She was supposed to email ledgers by the XXXX of every month. House XXXX explained to her that they will not expedite payment because she failed to do it on time and they work in order received. I was recently approved for XXXX additional months of rent payment. I moved out of my apartment on XX/XX/2022. I moved out for XXXX major reasons- I have a terminally ill wife, so we moved back to Pennsylvania XXXX we could be near her family again. Secondly, I couldn't stay at that apartment anymore because my apartment was charging me monthly late fees until they receive a check from XXXX. My apartment wouldn't let me make any payments towards anything because they require a full payment. Once the check was received, I would've owed a lot of money that includes late fees, water/sewer, tech amenity, etc. On XX/XX/2022 I received an email from a debt collection agency that my apartment turned over my balance to them. My apartment should not of sent anything to a debt collector and should have continued to wait for a payment to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was incarcerated and a credit card from capital one was opened in my name m. Tried to have it removed numerous times. Was incarcerated from XX/XX/XXXX to XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
Amount {$320.00} have no information about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
I have been a victim of identity theft. See attachments 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 explanation
Consumer complaint received 2022-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX ***** Opened XXXX XXXX, 2012 Balance {$0.00} XXXX XXXX XXXX ***** Opened XX/XX/2012 Balance {$0.00}

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 2022-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was in the process of refinancing my mortgage. 
I received a call from XXXX XXXX advising that they had received my request for a refinance. I advised the rep that I was already in process of refinancing with a company and advised we had already moved forward with credit inquiries, she then began to ask me the following question. 
Did they run your credit, I advised yes they did as we are refinancing. 
I monitor our credit so I begin to receive alerts that our credit had been run I did not at anytime give XXXX XXXX permission to pull out credit reports in the month of XX/XX/2021. 
I tried disputing this with the Major credit bureaus with no response or dispute status provided. 
I would like the recorded conversation pulled & reviewed reflecting giving verbal/written permission to access credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
There has been a number of unknown inquiries on my credit report the dates are listed below. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: MI

Complaint narrative:
There has been a number of unknown inquiries on my credit report the dates are listed below. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
A disputed with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was sent by certified mail and received on XX/XX/XXXX. As of todays date, XX/XX/XXXX, I have yet to hear a response from this company in regards to the validity of such account. The XXXX  allows for such company XXXX days to respond, I have yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have fallen behind on some of my debts. However, there is no reason that Commenity Bank ( phone number XXXX ), should be calling me 5-6 times per day everyday. I am aware of the FDCPA laws that collection agencies must follow. Just today ( XX/XX/22 ), I have received 3 calls before XXXX. The calls came in at XXXX, XXXX, and XXXX. These are clear violations of FDCPA and is HARRASMENT. I have attached below a screen shot of the calls on XX/XX/22 that came in at XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07 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: NH

Complaint narrative:
On XX/XX/XXXX I was hospitalized with XXXX  and I had my last payment of an XXXX month no interest promo on XX/XX/XXXX to community bank. I missed that payment cause I was in the hospital and unable to get on to pay my bill. Now Ive called and tried to pay my final bill which should be around XXXX $ and they are trying to charge me around XXXX $ for deferred interest Ive never missed a payment or had any late payments and theyre unwilling to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I'm working with HUD certified agency XXXX XXXX XXXX. My sale date is XX/XX/XXXX. On XX/XX/XXXX I was told by lender that I'm not eligible for Loan Modification because application was suppose to be submitted 37 days before sales date & I requested a Deed In Lieu over the phone on XX/XX/XXXX & I was by XXXX told that XXXX XXXX XXXX option will be reviewed as long as the request and application is received 10 days before sale date.On XX/XX/XXXX Application was received when I spoke with XXXX XXXX. On XX/XX/XXXX We spoke with XXXX XXXX and he said application was incomplete but wasn't able to explain and the department would mail the reason for incomplete and wouldn't explain over the phone. On XX/XX/XXXX We spoke with XXXX XXXX and said no updates and application for Deed In Lieu is under review and was told to call back in a couple of days.On XX/XX/XXXX after being on hold for a while system requested that I leave a voicemail for a call back, I never received it. On XX/XX/XXXX we spoke with XXXX XXXX and told me application was terminated on XX/XX/XXXX because my application should have been submitted 37 days before. I want to do a Deed In Lieu, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I upgraded my XXXX  through the XXXX XXXX  XXXX  offered by Citizens Bank a few times over the past year. It is my experience that opening a new XXXX XXXX  XXXX  loan would result in a soft credit inquiry, which provides Citizens Bank access to my credit report information, but such inquiry is not visible to any other creditors, and would not have any impact on my credit score. I have also been advised by a representative of Citizens Bank that when upgrading an XXXX already part of the XXXX XXXX XXXX, a credit check is not performed at all ( no soft or hard credit inquiries ) as it is considered a renewal of the loan based on credit already extended using previously acquired credit information. Unfortunately, during the upgrades on XX/XX/XXXX and XX/XX/XXXX, a hard inquiry was placed on my XXXX credit report, causing an impact to my credit score. Im requesting such inquiries be removed from my XXXX credit report ( and other credit bureaus if any were affected. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 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:
Equifax, XXXX, and XXXX are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my XXXX XXXX on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2022-02-07 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: MI

Complaint narrative:
My federally protected consumer rights have been violated. See attachment immediately.

Company response to consumer: Closed with explanation