vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022, I received an email stating that my application for a Bank of America checking account was pending. I immediately contacted Bank of America to report fraud, and they said they don't show any record of an account in progress, so the email was probably spam. The following month, I received a bank statement of the account in question, and I immediately contacted Bank of America, informing them that this fraudulent account that I previously reported was indeed opened. They assured me that they would immediately close the account and start an investigation. I received another statement a month later, so they never closed the account. I've done the due diligence on my end but Bank of America 's inaction is exposing me to additional fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: MI

Complaint narrative:
I reached out to XXXX to notify them that I would be late on a payment due to a personal emergency I was going through. I called XX/XX/XXXX and XX/XX/XXXX. The rep that I spoke to assured me about 10 times that I would not be getting a 30 day late notice on my account. Today I woke up to a 30 day late notice on my account. I am in the process of trying to buy a home and this has destroyed my credit score. 

XXXX falsely informed me that I would NOT be getting a 30 day late notice. The representative I spoke to today said she listened to my calls and it seemed like a miscommunication on the reps end but refused to remove the 30 day late notice from my credit report. 

I asked for the call to be sent via email for proof that they lied to me and I was told I needed a subpoena.

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 2022-11-09 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: LA

Complaint narrative:
15 USC 1681c-2 FTC VIOLATION XXXX XXXX, XXXX, AND TRANSUNION FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. XXXX, XXXX, AND TRANSUNION REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.

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 2022-11-09 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: LA

Complaint narrative:
15 USC 1681c-2 FTC VIOLATION XXXX XXXX, EQUIFAX, AND XXXX FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. XXXX, EQUIFAX, AND XXXX REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE CALLED EQUIFAX FOR WEEKS NOW RECARDING A LATE PAYMENT BEING POSTED TO AN ACCOUNT THAT HAS BEEN CLOSED SINCE XXXX. THEY SAY THEY ARE NOT SHOWING ANY LATE PAYMENTS REPORTS THIS YEAR ; SPOKE WITH THE MORTAGAGE COMPANY, WHICH THEY GAVE ME A LETTER STATING ACCOUNT CLOSED AND NOT REPORTING ANY LATE PAYMENTS. IM TRYING TO BUY A HOUSE AND THIS IS STOPPING ME FROM DOING SO, ITS INACCURIATE INFO. 

ACCOUNT IS XXXX OPENED IN XXXX AND CLOSED IN XXXX SHOULD NOT BE REPORTING ANY ACTIVITY OR LATE PAYMENTS. NEED TAKEN OFF ASAP, PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: IL

Complaint narrative:
ID THEFT REPORT ATTACHED AND MAILED OUT AS OF XX/XX/2022... ALL DATES/LOSTED ACCOUNTS ..... 
XXXX XXXX XXXX  ( any and all ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX attached...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC
State: CO

Complaint narrative:
Flagship credit, I am a cosigner on a XXXX loan with this company. I have been getting serval calls about this car loan being late and then being sold into a collection agency. When I reach out to the organization, the payment is caught up and they are unsure of what I'm speaking about. The individuals from the third-party call agency can not give me a number or address or email to a division or individual that can help me. These items are affecting my credit score and my well being. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Also, in 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction, Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During the claim entry process I made a mistake and forgot to include one of the frauduent charges on the report. It was a XXXX XXXX transaction and I had been to the dollar tree earlier that day so I got confused. 
The claim was denied because of this and they will not allow me to re-open the claim with the updated information. The Claims Supervisor told me to get a lawyer and that I will not be getting my moeny back from Chase even though she sympathizes with my situation. 
I have provided a police report, video surveilance, statetements, XXXX  complaints, and opened a Corporate case. All of which have not gotten me my money back. 

Listed Fraudulent Transactions are Below : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX  Card XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX Card XXXX XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681, section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My client had recieved some covid assistance in XX/XX/XXXX and XX/XX/XXXX. XXXX liens were filed with XXXX XXXX from the Secretary of Housing and Urban Development. We were able to obtain a payoff for XXXX of the liens, but not for the other one. After many attempts to get the payoff from HUD servicer, I was told that they were not the ones responsible. It was the mortgage servicer that did not properly file the paperwork for HUD to be able to give us the payoff. My client was supposed to close on the sale of his home on XX/XX/XXXX. Myself and the title company have been contactiong Mr. Cooper since early XXXX and now I call almost daily for an update and they can not provide me with any news other than they are working on it. I've asked several times for a manger call back and have never recieved a call back.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
hi there again, we are having an issue with our bank, that's why i opened a bank account. But unfortunately my old bank hold my money. they never pay our mortgage, so what happened. i called up them, coz my nephew XXXX XXXX, that his credit score went down to XXXX points. And he aware XXXX  we have some difficulty paying mortgage last XX/XX/XXXX. Now, it happened happened, my previous bank never pay our mortgage on the XX/XX/XXXX. So, it was returned, I called up Mr Cooper from Customer Service to dispute the reported to Credit Bureau for missing a month payment, last thursday at XXXX XX/XX/XXXX. Just to verify if they reported us to the Credit Bureau. Per their customer service, they never reported us especially my nephew XXXX XXXX, nothing to dispute. So, again wrong confusing information. Yesterday i spoke with XXXX, she connected me to Loan Litigation, that person name XXXX, he intimated me that they will reported us for delinquency of mortgage payment. Instead of giving us some option, he trying to scare me, which made my XXXX XXXX XXXX. Honestly, my concern only not to be reported to credit bureau for my nephew XXXX XXXX, XXXX he has plan to relocating soon. We are about to do Loan Assumption but they giving us a hard time/difficulty. So, we don't proceed anymore. Our plan is to do " Refinance '' next year so it will totally transferred to our name, since our deed has been transferred to us only the mortgage was not yet. 

All i want is to give us the right information. they need to train their people how to deal with us, if we need to be feel comfortable not to worry. And need consideration. We will never go back to foreclosure issue. It's just i had issue with my bank. Need a consideration, not to intimate or feel scare what will happen to my nephew 's credit score. Need them to be informative, to be trained and give some option, if we need some help not to feel us scared. 

We need help, to let them understand customer 's personal issues. Be understandable, we will not allow to loose our home, it's just need a little consideration. Not to report us to credit bureau already.

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 2022-11-09 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
In 2017, XXXX XXXX sold their portfolio. Rushmore Loan Management Services received this loan. On the first bill, a fee was noted on the payment statement for over {$3300.00}. Since 2017 several attempts have been made to get Rushmore to disclose why this fee is present. This loan was over paid with XXXX and at times sometime doubled payments in XXXX month. No letters or explanation of the fee has been provided until today. Today a supervisor named XXXX stated that a note on the loan states " XXXX entered into an agreement with the government and the fee assessed during audit is listed as deferred interest payment due ''. 
I have found a press release that shows XXXX agreed to pay XXXX XXXX by DOJ in connection to sales of residential mortgage loans. How is this agreement the issue of the consumer/mortgage holder? Why has Rushmore not address this for 5 years? How many other XXXX service sold loans have this same issue? Why has Rushmore not corrected the erroneous fee accordingly?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Received a letter from my landlord dated XX/XX/2022 stating that in addition to the {$99.00} security deposit I had with them that I owe an additional {$200.00}. It said there was an enclosed copy of my resident move out statement showing itemized charges, however there was no attachment. I called the office at XXXX XXXX and they said they would have someone contact me. Later someone I believe from corporate, called and told me it was for smoking. I asked to have the proper letter sent to me showing the charges so that I could investigate and see if they were legitimate and or to dispute the charge. They never sent me a letter. Instead they turned it over to Genesis collection agency. Genesis called me and I asked them to send a copy of the charges as I wanted to dispute them. They said they could not mail me anything. I never heard from them again. They never sent a letter within the 5-day period required. Instead they just put it in collections which appeared on my credit report and lowered my credit score by XXXX XXXX I sent them a letter. I sent a letter to XXXX XXXX apartments and I notified all three credit reporting agencies. I am also going to notify the XXXX XXXX XXXX XXXX since they did not send me proper notification within the 15-day. So legally they owe me back my {$99.00} security deposit. I am also notifying the XXXX XXXX XXXX. Since I have been unable to get a written statement of the charges I will hope that you are able to get that information for me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avid Acceptance, LLC
State: NC

Complaint narrative:
I filed a CFPB complaint against Avid Acceptance back in XXXX for the same communication issues. This company is harassing me AGAIN and making fraudulent statements. 

I respond to all communications, and yet they continue to say I do not respond to anything or communicate with them. They say they call me, yet I have received XXXX phone calls from them. I have received XXXX email communications 3 days in a row, to which I have responded to all of them. 

My XXXX payment is due ( due XX/XX/XXXX ) I am aware. I replied back to their email on XXXX asking them what number they were calling ( since I have given them my new cell phone multiple times ( XX/XX/XXXX, and XX/XX/XXXX ). 

I have received to date XXXX emails indicating they are calling me ( which they are not ), and that they have received no response from me, but I have replied to every email. 

Additionally, I get emails from multiple people. 

They stated in the email on XXXX, they have left previous messages with no response, however my call logs from XXXX, for my cell phone number, XXXX, would prove otherwise. XXXX is attached. From the date of my payment due date, XX/XX/XXXX through yesterday, XX/XX/XXXX, there are no incoming or missed calls from Avid Acceptance. 

This is harassment. Lying saying I am not replying is simply ridiculous. Email proof attached.

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 2022-11-09 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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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 2022-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank is still reporting on my credit with three credit bureaus XXXX, XXXX and XXXX that I have a revolving credit balance of {$2400.00}. Synchrony Bank sent me a letter advising me that I can settle my account for a payment of $ {$1400.00}, I called Synchrony Bank to make the payment, however ; they have refused to accept my payment, no payment at all they refused to take. They told me my account was sold, however ; I never received a letter stating my account was sold and I also have not received notification from this agency stating that this debt was owed. Synchrony Bank is who I had the debt with and they have refused my payment ; therefore they should not be reporting a revolving balance on my credit report. They did not indicate on my credit report that they sold my account to another lender.

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