vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
After making complaints through the XXXX XXXX XXXX XXXX about, XXXX XXXX XXXX, and XXXX XXXX XXXX, about the potential fraud in the documents, they sold my fraudulent contract to XXXX, so they wouldn't have to answer any questions and provide proof, that its a valid contract, not to mention I rescinded the contract and the XXXX XXXX, now there getting another party involved, violating 15 usc 94 sub section 6801> Protection of nonpublic Financial information.

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 2022-12-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.

Complaint narrative:
On XXXX XXXX I found out theres a collection item showed on my credit report with Equifax when I was getting a mortgage from the bank. I had to postpone the closing due to the mismatch info. I contacted Equifax right away and agent helped me start the dispute process. I was told it took 15-20 business days to resolve. During the time, I tried to call several time to seek help to accelerate the process as I had to pay high interest for the delay of closing the mortgage. They confirmed the latest date I should receive a final solution is XX/XX/XXXX. Now is XX/XX/XXXX, Ive got nth from them. I had to call another three time. Every time I got different answers regarding the timeframe I would expect for the solution. Firstly, its totally over the timeline they promised. Secondly, It seems all agents goal is to get customer off the phone, other than listen and resolve the problem. I understand it might not be out of their hands for those who picked up customer calls to resolve a credit profile. But as a big organization, they should have certain procedures to deal with urgent case like this. Every single day they delay resolving problem, I have to pay high interest. ( 9.15 % as of XXXX XXXX ). Not to mention it was XXXX fault to have mismatch info on my credit file. The dispute its about a hospital bill which I never been there. I provided my health card which show proof my medical history that I never been to that hospital. I was told who owned the bill probably just had similar name as mine. Im super upset for the whole process and want to have Equifax to fix their problem asapcomplaint file yesterday. But the response I get is company will give final response within 60 days, which is ridiculous. Equifax agent told me the collection is from a company named collection network, which I believe No long existed. They just sent request to this ghost company which will never respond. They could have confirmed with the hospital if I as a customer ever visit their by checking medical record. It should be a easy fix, if anyone from Equifax really cares about people and find a real way to solve the problem. I file a complaint yesterday but the response I receive its the same as every single agent on the phone working on the issue. Its unacceptable as you cant just tell people to wait infinitely. Im pretty sure if someone really escalate the case it could have been resolved long time ago. I might be homeless anytime soon if I dont get this mortgage application done asap. I have great credit and minimal liability, but due to Equifax original mistake that to put someone elses debt into my profile. I cant have my mortgage done. Interest increase again, really money consequences as of 9.65 % interest rate to me now. Dont tell me to wait again, just take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I called and spoke to a female rep to make my monthly payment of XXXX. She said I re eived a late fee of XXXX said no your automated system tells me my due dates are by the XXXX of every month and look back at my history and that shows I'm consistent with the amount which is over my payment XXXX and it is always before the XXXX of the month.she said that it tells her my pmts are due by the 1st of every month ... I said that is not what your automated system is showing I asked for a supervisor.was on hold for 30 min.she said no supervisor available will put me on a call list .no ret call. I called XXXX on XX/XX/XXXX I spoke to XXXX went through the whole explanation again asked for a supervisor.placed on hold for 48 min was told no supervisor available..I asked what total was due to pay the account off and clise my account because I was so aggravated.he told me XXXX paid the balance in full and clised the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2018 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I recently had my account closed by Chase Bank for " unexpected activity ''. I have never seen or heard that term used before with any banks. They sent me snail mail during the holidays ( they did not take that into consideration when sending ) and it got to me too late. On the letter is states that my account was set to be closed on XX/XX/XXXX and that all transactions will be declined. However, I was still making purchases past the given date. They also gave me less than 30 days to transfer/withdrawal my funds, which is not usual. They gave me 2 weeks essentially, including delivery time, during one of the busiest times of the year. Upon opening the letter, I decided to call immediately, I was still able to log into my account. I also noticed with the letter they sent another one titled " update '', implying that this was a second letter, but it was all in one. The ladies on the phone were extremely unhelpful and told me I have to go to a branch to get it resolved. The next day, today XX/XX/XXXX I decided to go to my local branch and speak with my usual banker. He told me that unfortunately the mail is a constant issue they have and since I didn't come into the branch before the date listed I have to wait until the XXXX for it to start being processed and it wont get delivered until XX/XX/XXXX. Which means I won't get it until after XXXX because everything is closed. They never mentioned that I had to come in before the date or come in at all on the letter. The only reason it stated to come in was to claim my rewards. They also never emailed, or called me to notify me of the pending closure, they just closed it. I also went in today to retrieve my routing and account number and the lovely ladies I spoke on the phone with restricted me from accessing it. That is an issue because my employer will continue to make deposits unless I fill out a form that requires those numbers. My banker called to try and have the check expedited, but they said it was too late. They also told him that the official closing date is XX/XX/XXXX on their end, which doesn't make sense to me if all my information linked to the account was deleted and the letter said XX/XX/XXXX. I have to pay rent and bills I can not afford to wait until after XXXX for my money. I don't think it's ethical considering the account was closed last week. Upon this happening to me I realized a lot of people had success with you guys and my banker suggested I file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 16 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-07 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive disputed with XXXX, equifax and XXXX about XXXX XXXX on my credit file, XXXX the FCRA they have not provided me any documentation on file to verify that the information is mine and correct, I have written this company 2 times. I have disputed with the collection agencies XXXX XXXX XXXX XXXXXXXX XXXX XXXX also.These companies have failed to provide me any evidence, beating my signature, showing that the account is being reported accurately. All they have provided me is a copy of a bill. Per the FTC a printout of a bill or itemized document does not constitute verification. please help me resolve these issues that I am having. 



The accounts are as follows XXXX 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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am a Robinhood account holder for many years now. I never had any problems receiving my monthly retirement transfers from abroad and using such money for my usual expenditures. It turns out that by the end of XX/XX/2022, some criminals were able to clone my debit card and pin and use it to withdraw money from my account in another city far from my home. I made a Police Report turned it over to Robinhood, disputed the charges, and receive back the money taken from my account. Without any issue. On XXXX the XXXX, when my retirement arrived in my checking account I tried to make a purchase, which was declined by Robinhood, and soon after my account was placed in restricted mode. That means all my money is frozen. I can't withdraw, transfer, or buy stocks or crypto. As I try to talk with Robinhood support all the agents tell me that only the internal department of Robinhood can actually give any information and they only communicate using emails. And they close the chat or end the phone call with me without any more information about how long this department will take to unrestrict my account, what they need to unrestrict my account and the most important question : why they restricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Their investigation did not fix an error on your report
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
XXXX is falsely reporting on my credit bureau reports. When they havent been doing so since day one. Which is in violation of the fair debt credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
Received forbearance agreement from Simmons mortgage. Documents received XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX requesting a down payment for a forbearance and putting me in a forbearance agreement. The documents I received were several documents with different dates and different information, it is confusing. There is a foreclosure sale date set for the property XXXX. Foreclosure notice I received was for XXXX XXXX, the property is in my name as of XX/XX/2022 I'm her son XXXX XXXX. I have not received a foreclosure letter for the property since the property was deeded in my name though the register office of deeds XXXX XXXX. I have requested mortgage assistance and assumption of mortgage modification. Please assist me I don't want to lose the home to foreclosure

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 2022-12-07 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 FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of XXXX that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ;

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 2022-12-07 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: GA

Complaint narrative:
In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of 2008 that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: GA

Complaint narrative:
In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of 2008 that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ;

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 2022-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
Hello I live in XXXX with my sister co- owner of the account Im referring to.

Since XXXX I have one checking account and on savings account in XXXXXXXX XXXX, but last year they transferred my founds to Citizens Bank. 
On XX/XX/XXXX my bank " XXXX '' sent me a letter asking for some personal data to maitain my account opened with a due date on XX/XX/XXXX before freezing or closing the account. 
When I call to the bank ( XX/XX/XXXX ) they said the accounts are already closed and they sent 2 checks by mail to my personal adress in XXXX XXXX ( did not recieved yet ) When I complained about not receiving any communication and saying that I did not approved any account closing they say " we dont want you as a client '' The denied giving me any tracking number of the mail, no email communication ( they say they dont send e mails to older persons ) and no futher information about my money. 
My complain is about not having a positive response from the account supervisor and mainly because deciding by themselves with no consultancy about closing my account and not giving me news about my money They did not respect the due date they sent in the receoived letter so I can not accept them to infringe my rights to decide on my savings- I need your support on this matter to get a solution best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: The CMI Group, Inc.
State: MS

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act LVNV Funding LLC XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP
State: OH

Complaint narrative:
I have made all timely monthly payments of XXXXXXXX XXXX This loan was originated as a fully amortizing loan however the lender is applying my payments as interest only which were NOT the signed and recorded terms that were agreed upon.

Company response to consumer: Closed with explanation