vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I owned an account with Bank of America for years. When covid hit, i had some issues and ended up out of work. When i contacted the bank asking if i could change my payment date because i couldnt afford to make the monthly payment, they told me that they were unable to make any changes for the monthly payment and if i were to update my payment date it would take 3 months to update, which means i still had to find a way to make my monthly payment. Knowing that i would be unable to do so, i requested to close my account with them to avoid any further interest charges. The bank did not close my account and continued to bill me with increasing interest causing my card to go over the limit. I had several other credit card accounts at this time, as well as an auto loan.. i was able to change the payments for every single account other than Bank of America XXXX I would have no problem paying my debt if it was the accurate amount, but I will not pay a debt i dont owe to a company i had a very long standing relationship with that refused to help me.

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 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have been referred back to CFPB by the Controller of Currency ( OCC ) letter dated XX/XX/2022. This letter addressed referenced Issues under federal consumer financial laws, as in my case, the Real Estate Settlement Procedures Act ( RESPA ), am implemented by Regulation X, as C, F.R.1024. 

Upon close examination of the Hud 1 document which was Redacted and used as evident in the court case I noticed these inconsistencies : 1. The Loan number on this Hud 1 document has a loan number that is on the page is a loan number that my monthly payments has been made under doing the last over years I have been paying this " Refinance ''.

2. As I have mentioned that this same Hud 1 document which was Redacted and used as evident in the court is has my signature and is lacking any other legal and signatures of closing attorney XXXX XXXX or any other closing officials or any official stamp. 

3. I can not be sure that I even received this money at closing or after closing as I was unable to reach the closing at any time after that day. 

I intend to upload this Hud 1 document and also your response letter concerning this matter in a previous complaint and the letter from the OCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been unable to access my XXXX XXXX or TransUnion Consumer Credit. I have contacted the firm over the past year for assistance and can not get a representative in the United States. I am transferred to XXXX and unable to get the assistance required. I have been advised by the representatives in XXXX that I am the problem and hung upon. The representative lied and stated that he was located in Illinois. When pressed, he confirmed that he was in fact in XXXX. 

I am uncomfortable sharing or discussing my personal information with a representative in a XXXX  country. Most organizations who use XXXX customer service representatives will have an American representative contact options. 

What is the value of TransUnion Consumer service to Americans who can not speak with a local or national representative for assistance. I can not share my personal information with someone in another country. Nor, should I be required to. Americans need their personal information to be protected from foreign agents.

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 2022-08-16 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:
I am a living, breathing human being, as opposed to a legal entity such as a business operation ( corporation etc. ) and for this reason I have rights under 15 U.S.C. 1681. Equifax is governed by 15 U.S.C. 1681. And they have invariably violated my rights on numerous occasions. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I attempted to dispute a medical debt collections on my credit report since I had no knowledge of the account or collection status. The collection agency did not send written information regarding the debt owed, but submitted to the credit bureaus as accurate. I have now have no way of verifying the debt ( original service date, total amount owed, etc. ). I suspect this is not a legitimate debt as I have not had any outstanding medical bills needing attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: VA

Complaint narrative:
n 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: NC

Complaint narrative:
I have been requesting that all three credit bureaus fix inaccurate information across my credit reports for months since XXXX XXXX and they said that these accounts was verified as accurate how can this be if all the reports are difference in there reporting.I have given the the chance to do there job.

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 2022-08-16 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: NC

Complaint narrative:
I have been requesting that all three credit bureaus fix inaccurate information across my credit reports for months since XXXX XXXX and they said that these accounts was verified as accurate how can this be if all the reports are difference in there reporting.I have given the the chance to do there job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
After filing a recent tax return, the day before my refund was deposited I recieved a letter stating my refund was intercepted to pay a collection from XXXX. After downloading my IRS transcripts from XXXX thru XXXX I noticed every single refund was intercepted. I contacted TSI which was the third party collection agency and was informed XXXX had been intercepting my refunds and I still had a balance of XXXX as of XX/XX/XXXX. The rep on the phone said notice was sent to the address they had on file and I informed I had a new residence and updated my mailing address. On XX/XX/XXXX I recieved my Tsi file in the mail. This file is incomplete, contradicting and full of errors. Returned Check Fees, Interest and civil recovery charges, plus transactions stating I wrote a check to XXXX for XXXX dollars and another check for XXXX dollars. Copies of those checks are not in the file. The 3 copies of checks in my file are for different amounts and are not in the transaction statement. I see credits to the balance but then 10 dats later those credits were reversed. with no justification. copies of the checks also have XXXX XXXX  checks but on the back the account says XXXX XXXX XXXX. XXXX  should be stamped on the checks but not. Im a victim of Identity Theft. The funny thing is XXXX and TSI ar nowhere to be found on my credit report. Im being robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
RE : Loan # XXXX I have sent NewRez several emails asking for an update on the completion of my assumption process. I have not heard back. 

On XX/XX/22 NewRez stated that the underwriting process was completed and loan approved. The timeline they provided to me says that once loan is approved the company has 30 days to complete the assumption. 

This means that all items related to the assumption should be finalized no later than XX/XX/22. I would like NewRez to confirm we are on target for an XX/XX/22 completion date and if not, please describe in detail why that is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Wheel City Motors East, Inc.
State: SD

Complaint narrative:
She called me at XXXX mountain time instead of XXXX. She called three times in a row waking me and its not even my debt she is harassing me about. She is misrepresenting herself as a state investigator and is threatening people with jail time and felony charges over a consumer debt. Given her caller ID comes up as I Secured out of XXXX XXXX, XXXX  she should be able to look up the time difference between XXXX  and XXXX  XXXX. Her tactics are not in compliance with the FDCPA and she doesnt care. XXXX Deposited a new message : " Hi, good morning. This is Investigator XXXX XXXX. I am a state licensed investigator looking for XXXX XXXX XXXX XXXX XXXX. Or someone at this number. Please call me. Let me know if that's the correct number. This is Tuesday, XX/XX/XXXX at XXXX XXXX. XXXX My number, toll Free Direct is XXXX XXXX XXXX. You're possibly involved in a case assigned to my office. I'd like to speak with you this morning. Please call investigator XXXX XXXX. I can speak with you at this time confidentially again, this is investigator more calling for XXXX XXXX. My number toll free Direct is XXXX. Appreciate a call back this morning, please. Thank you. '' Click here : to listen to full voice message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: NY

Complaint narrative:
I like to file a complaint. I have found one fraudulent unauthorized item listed on my credit report. The items is as follow XXXX XXXX XXXX XXXX XXXX {$1700.00}. I have attached a copy of my FTC Identity Theft Report XXXX for review. You have 30 days per the Federal Credit Reporting Act to investigate. Please let me know of your findings in a timely manner. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I was unaware my loans were not a part of the overall federal student loan payment pause. I was told even though my loans were federal student loans, they were " commercial '' federal student loans and had been exempted from the federal pause. 

This information, in my opinion, was not properly communicated to borrowers and set many of us who had never been late making payments on our loans up for delinquency. 

XXXX XXXX XXXX During the time my loans went into repayment, I was on a medical leave of absence from work and was unable to afford payments. I had all 8-9 loans placed into forbearance. 

Despite placing my loans into forbearance, College foundation INC reported my loans as 60 days past due in XX/XX/XXXX and XX/XX/XXXX. 

I have tried several times to get College Foundation Inc to remove the delinquent marks from reporting, or to remove the paid and closed tradelines altogether -- but with no success. 

I am submitting this complaint to have the delinquencies removed from credit reporting to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: MO

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous times. I demand the accounts listed below removed immediately because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My complaint is about Truist bank. On XX/XX/XXXX I learned that Truist bank closed my account due to fraud that I didn't cause. My visa debit card was stolen and I needed a new card. The person who stole my credit card information also tried to deposit a {$4000.00} check. At the time I had over {$1700.00} in the bank account. I was told but the fraud department that closed my account that they wanted me to go into a bank branch to get my {$1700.00} from the bank. Unfortunately, the account was opened online and there are no bank branches in the state of California where I live. I even checked to see if there was a branch in Nevada, and there is not. At that time I requested a check be sent to my home instead as I was unable to find a branch anywhere near me and again the account was opened online. I was told the request for a check would be passed on to a supervisor and they would call me back to confirm. I never received a callback or a check. On XX/XX/XXXX I again called the fraud department to request a check and I was told it was impossible to send a check because the fraud department does not send checks. They again told me I had to go into a branch, even though I told them there wasn't a branch anywhere near me and the account had been opened online. They told me there was nothing they could do. I then called a branch in XXXX, Georgia as Truist could not tell me the closest bank to my house. They told me to search online where you can only search by zip code or city and state. I tried multiple cities in nearby states and there was no branch available. I then started calling major cities and found a branch in XXXX, Georgia. When I called the branch to see if they could cut a check I was told the request was impossible as I had to be in person to be validated and receive my money. I then called the trust hotline to see how this could be resolved and was told again I had to go into a branch. This is impossible for me to do. It is no way possible for me to go to a branch. Truist bank won't return my money from the account they closed. They had no problem taking my money but now they won't return it.

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 2022-08-16 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-16 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief