vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
I have been paying my mortgage automatically, on XXXX XX/XX/2022 i received a letter saying a shortage of Escrow, i went ahead i paid the Shortage on XX/XX/XXXX mortgage payment was showing a different amount of {$2100.00} so i called and tried different methods and no answer, after many tries someone called me almost end of XXXX to tell me that they can not do nothing thats the amount, i have try to get an explanation but with no luck. I dont get why my payment change if everything is same and now they are not applying ny payments so Making my loan get extra fees. This is not fair for a XXXXXXXX XXXX  Veteran. My account is Good and my Payments have been sent and they are not applying anything and want me to pay the {$2100.00} instead of my Mortgage payment of {$1700.00}. So i need help for this bank to do the right thing i can not understand how they can change a payment so fast because a Shortage but when the customer pays the Shortage is hard for them to put the payment back how it was real concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I previously applied for a credit card through capital one they denied me only on the basis thati already have a account. Even though I explained it was opened fraudulently and submitted a identity theft report. well today I. submitting attachments of my complaint through cfpb though the credit beaurus that this account is removed from my credit due to it not being my account. I'm asking for a reversal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Child support is refusing to report correct amounts paid toward the obligation. As well as reporting false information about the amount owed. Child support has been taken out of every check ive recieved for over 8 years. I ask that these be removed from my credit report with all three credit agencies in accordance with 15 U.S Code 1692 e. I want my credit score to reflect the changes made thank you for hearing my story. Below are documents from agencies i have done work for this year, but Pleas Note : this has been happening for 8 years now and a timely solution to this problem is paramount.

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 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
Old accounts open dates keep changing

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 2022-09-05 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: FL

Complaint narrative:
Please remove collections and charge offs from XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX from my report. This has caused me financial hardship and embarrassment. This matter is involved in litigation. I never gave anyone permission to sell my information. If this issue is not solved appropriately I am getting an lawyer to sue. 

Please be aware when handling this matter. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

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 2022-09-05 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:
Please remove collections and charge offs from my report. XXXX. XXXX XXXX, and XXXX XXXX. This has caused me financial hardship and embarrassment. This matter is involved in litigation. I never gave anyone permission to sell my information. If this issue is not solved appropriately I am getting an lawyer to sue. 

Please be aware when handling this matter. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

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 2022-09-05 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: NJ

Complaint narrative:
the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.

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 2022-09-05 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: NJ

Complaint narrative:
the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: CA

Complaint narrative:
I am being charged interest when I paid my card off and when I went to make payment on a late fee I was not able to access account. I tried to contact customer service and their system was down its been months and still cant get a hold of a representative. This is after we were told we would not be charged for not being able to pay on time because of their system problems and I was charged almost {$37.00} plus interest on a card that is paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OR

Complaint narrative:
Was targeted for {$500.00} business checking offer. Fulfilled requirements. Have not received my payout.

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 monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
They call repeatedly from two different numbers even after I have scheduled a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address showed up on my places I've lived an I've never live in Florida in my life, an secondly you keep lowering my credit scores saying I've been late on credit card payments, I usually pay them early!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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:
On XXXX XXXX XXXX am : I received a notice from JP Morgan Chase Bank XXXX that a debit/prepaid Atm card had be approved and issued in my name. I knew this was an issue as I had not asked for authorized one for approval. 

Upon calling Chase and Talking to fruad shortly an hour thereafter, it was soon discovered that a new College Checking account was created and that 3 transfers in the amounts of : {$8500.00}, {$6800.00}, and {$4600.00} were already pending to this new College Checking account ( coming from my Own Premier Checking Account ) with corresponding withdraws taking place simultaneously. Upon numerous calls to Fraud for these transfers to be blocked, they were eventually allowed even though they were fraudulent. Chase Bank personnel were constantly confused as they didn't know whom they were talking too and eventually asked me to visit a branch to prove my identity ( they failed to ask for proper identification such as passcodes over the phone ). 

Upon visiting local branch on XX/XX/XXXX and XX/XX/XXXX, it was revealed by bankers, that the Fraudulent account was opened in Florida using my social security number and likely forged ID. Since the transfers were considered going from my account to my account, the initial claim was rejected even though the fraudulent account was not opened by me ( withdraw slip clearly states XXXX XXXX who I do not know ). 

With nearly {$20000.00} stolen from me instantly, it has caused a lot of issues, such as payday and mortgage needing to be rerouted as well as Chase credit cards being paid in person. 

I have called Chase numerous times to ask for a clear explanation as to how this could have happened but have not received a satisfactory answer. The first banker I spoke too, revealed that the account was already on high alert before the Fraudulent account was opened, as someone had called Chase impersonating me telling them he had my social and asked the balance but then hung up when asked for a passcode, he even tried twice! What is frustrating, is that Chase asked me if I knew the thief XXXX XXXX several times. 

There is currently a police report : XXXX filed with XXXX XXXX XXXX XXXX XXXX and a detective investigating this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
the account CMRE for XXXX is unknown to me, also the the account medical revenue systems is clear violation of XXXX HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In XXXX of this year, ( 2022 ) I checked my credit, and the balance was XXXX. I was concerned because I had paid the balance off. However, I was paying each balance a few times a month so I would not have a large balance. In XXXX ( 2022 ), the account XXXX showed the same balance of {$270.00}. I tried to log into my online account, however, it was having technical difficulties. I tried on other computers and the same result of not being able to log in occurred. I started to be concerned because of having this problem before when I called the company on the telephone to make a payment a while ago. I checked the XXXX for the company and discovered that some individuals had be charged interest on a {$0.00} balance. I was hoping this would not happen to me. I did not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, regarding XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Information for Chase Bank On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX  using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX XXXX XXXX XXXX ( Bill of sell, XXXX XXXX XXXX XXXX ). 

These are the person who hacked into my computer between XXXX and XXXX. 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was XXXX card but now with these court Documents I believe it was the two crooks XXXX and XXXX. 


I would like to Know HOW many other fake accounts were set for the elderly up by these two crooks!!!! 

I am A XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
In XXXX XXXX I was involved in a consumer credit transaction with Exeter finance. As I'm going through my truth in lending disclosures I notice it says there was a finance charge involved in the consumer credit transaction. A finance charge is the SUM OF ALL CHARGES and does not include charges of a type payable in a comparable cash transaction. You will see in my contract that there is a down payment of {$1500.00}. During my consumer credit transaction, Exeter asked me to put down more money so my monthly payments would be less than what they are. In actuality, there should be no monthly payments because I used my credit card for this transaction. There was also no insurance provided in my finance charge which is a violation of 15 USC 1611 and 15 USC 1605. No one stated clearly and conspicuously what my finance charge covered and did not clearly and conspicuously disclose my right to recission or provided me with the appropriate forms. During my consumer credit transaction, I never received adequate notice. I am demanding to be reimbursed for my down payment and that I be paid by check double the finance charge. I was never given the opportunity to opt out for this transaction to not be reported to a consumer reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
In XXXX of XXXX XXXX pandemic was high. We were unable to make monthly payments with hours being cut at my job due to the pandemic. We used the forbearance and it had ran out. We tried over and over to work with the company to make refinance arrangements and were told no they couldn't. 
In XX/XX/XXXX we applied with XXXX XXXX  XXXX XXXX to help us get caught up and work with Mortgage company. 
We were told not to make any kind of a payment during the foreclosure program. We continued to ask if there was some way to refinance or use equity to get caught up. We were consistently assured during the mediation meetings that there was a solution to this and be able to not go into foreclosure. We constantly had different people represent the mortgage company and they seemed to not know the case or what was happening. The Meditator and Lawyer was consistent with this being able to work out a positive resolution. 
At the end of the mediation period, XX/XX/XXXX, we were told by the mortgage company that they were unable to help us until we were able to pay the arrears in full then to continue monthly payments each month. 
In XX/XX/XXXX, we spoke to the mortgage company about refinancing the house and was told he didn't understand why the underwriters couldn't do there as we have enough equity and finances were better to be able to pay each month. 
XX/XX/XXXX we were served with Notice of Sale of our house. 
XX/XX/XXXX the mortgage company called to talk about payments. In that conversation we were told that they are just a finance servicing company and they don't offer refinancing as an option. 
We feel we have been strung along for months. If they would have worked with us anytime during this process we would not be up to {$37000.00} in arrears and possibly losing our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 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 2022-09-05 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: CA

Complaint narrative:
In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  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 2022-09-05 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation