vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My information has been used to attempt to open credit cards and lease vehicles all in Ohio starting in the beginning of XXXX ( XX/XX/22 ). To my knowledge, two have been successful. One for XXXX XXXX Bank for the amount of {$56000.00}. I've since been able to have this successfully removed after reaching out to their Identity Theft Team. The second is from Capital One for the amount of {$49000.00}. This one is still posted to my credit report as of today. In addition there are XXXX other inquiries posted on my credit report, none of which are mine from numerous companies. I've contacted them all to find out what steps need to be taken to get these inquiries removed. I've filed disputes with all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I had an auto payment charged to my Sears Citibank credit card for about two years by XXXX. I found out this was my work program that my employer was supposed to be paying for, and no longer used the credit card for anything else. 
I have had this account for about 20 years. 
When I called to close my account XX/XX/XXXX, the charge had not showed up on the XXXX statement yet, so I didn't expect Sears to process a charge on a closed account, but they did/already had. 
I called again XX/XX/XXXX when I got a statement showing that I was being charged for the subscription which I was then paying with another account, and was told it " would be taken care of, '' however all the customer service rep. did was credit a {$29.00} late fee that I hadn't even been charged yet, leaving the {$15.00} XXXX charge on the closed account to accumulate late fees and interest. 
I found out this weekend that Sears Citibank has reported the account as delinquent, with over {$50.00} of additional late fees and interest charged, to the credit bureaus and dropped my credit score by over 100 points for the first time in many years. 
I called Sears and offered to pay the {$15.00} but they will not reverse any more late fees or interest charges or admit any responsibility for their customer service misinformation last month. So I paid the {$15.00} and they'd rather deal with CFPB and XXXX than give up on their late fees and interest charges. I'm not a customer anymore, so they don't give a XXXX. 
Lesson is when they say " it's taken care of '' don't believe them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Ability Recovery Service LLC is attempting to collect a fraudulent debt for XXXX XXXX XXXX XXXX not owed by me provide proof of debt in writing within 30days or stop contacting me and delete fraudulent account from system

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a credit card payment to XXXX  XXXX XXXX. 

4-5 days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this 14 year account, and it was my oldest account which I kept in good standing since College. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for 14 years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX. 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

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 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a credit card payment to XXXX  XXXX XXXX. 

4-5 days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this 14 year account, and it was my oldest account which I kept in good standing since College. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for 14 years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX. 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

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 2022-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Academy Mortgage Corporation
State: GA

Complaint narrative:
Dear Sir/Madame : I am reaching out to your establishment for assistance regarding Academy Mortgage Corporation and XXXX ( their loan sub-servicer ) unethical and unfair business practices, which have left me with unnecessary stress as a consumer ; and one of their actions had affected my credit history and made a negative impact in my relationship with my creditors. I made multiple attempts via emails to contact Academy Mortgage Corporation through their associate general counsel ; XXXX XXXX XXXX, but as usual ; XXXX XXXX did not assist in resolving this issue. In a letter dated XX/XX/2022, that I received 2 days ago, Academy Mortgage Corporation transferred my loan to another servicer in the wake of their mishandling of my mortgage and false reporting of my mortgage payments as being late due to their amortization process. 
Academy Mortgage CorporationXXXX mishandled my mortgage by giving me the wrong interest rate for 4 years and, when they decided to make the correction, XXXX reversed and reapplied my mortgage payments ( According to them ). During their reversal for proper reapplication/amortization process, Academy Mortgage Corporation/XXXX falsely reported all of my mortgage payments to the leading consumer credit reporting agencies as being late. It was brought to my attention by a creditor that a delinquent reporting of a real estate secured loan was found on my credit. I immediately reached out to Academy Mortgage so that they could contact the leading credit reporting agency to make the corrections of their false reporting instead, Academy Mortgage Corporation decide to dismiss my concerns by transferring my mortgage loan to XXXX XXXX XXXX, hoping that their action would silence me and/or neutralize my effort to resolve their false report. Please assist me in having Academy Mortgage Corporation, and their accomplice ( XXXX  ) contact the Consumer Credit reporting agencies, to remove their Late Payments false report off my credit. Thanks in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I use online bill pay to mail checks to my landlord. My check that was due on XX/XX/XXXX was not received by my landlord. I contacted Bank of America shortly after the check went missing and they started an investigation. They contacted my landlord who signed an affidavit that he did not receive the check, then they sent it to the XXXX XXXX XXXX XXXX  so they could investigate what happened to the check. This all took place in XXXX of XXXX. I was told the matter should be resolved in a couple of months at most. It has now been over a year. This XXXX I started documenting all my attempts to find out more information about the claim. 

XX/XX/XXXX BofA Message Center Our records show the payment continues to be researched by the XXXX  XXXX XXXX XXXX. 
As of XX/XX/XXXX, we have not received any updates. Any updates on the recovery of the payment will be documented inside the case and a communication will be sent to you. 

XX/XX/XXXX BofA Message Center This issue is currently being researched under the Case ID number XXXX. We will be contacting you with an update or resolution. We apologize, however we are unable to provide when the funds will be returned. 

XX/XX/XXXX BofA XXXX XXXX Federal Reserve, due diligence on both sides, min 90 days, stolen funds, check was cashed, XXXX verified he didnt do it XX/XX/XXXX XXXX - Federal Reserve XXXX we reply to the bank, replies have an expiration date Call BofA and if they still don't have any answers call Consumer Financial Protection Bureau XXXX XX/XX/XXXX BofA -XXXX in Arizona offered to send the claim to the back office for an update, I told her we had already done that, she said I needed to wait to hear from them directly. I asked to speak to a supervisor. 
BofA - XXXX, XXXX Supervisor Last follow up request was back in XXXX, sent another one over Advanced Services Research - Will call me back today with an update. I did not receive a call back. 

XX/XX/XXXX BofA - XXXX Call was dropped twice. 
Sees the open task to Advance Services, looking for a timeline. 
Sending it to leadership to get a timeframe. 
Tuesday next week. 

XX/XX/XXXX Online Bill Pay Message Our records show the payment continues to be researched by the XXXX XXXX XXXX XXXX. We have not received any updates. Any updates on the recovery of the payment will be documented inside the case and a communication will be sent to you. 

We appreciate your patience.

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 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
locked out of the mobile app and can not activate new debit card tried contacting Customer Service over 5 times with over hour-long hold times. 
contacted via social media as well with no resolution. 
after calling today and getting a callback rep advised me they need me to speak to a " specialist '' was transferred back to the IVR again and then waited for a new agent for 63 minutes before hanging up. 
I can not access my account online or activate my new debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal I ask that you DELETE these inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purpose of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX INQUIRED ON XXXX XXXX, XXXX DEPT OF ED INQUIRED ON XX/XX/XXXX XXXXXXXX XXXX INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXXNQUIRED ON XXXX XXXX XXXX XXXX INQUIRED ON XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXS INQUIRED ON XXXX XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX INQUIRED ON 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 explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
My loan was purchased from XXXX by Selene Finance in XXXX 2022. Since then my statement numbers keep changing by unusual amounts. Now that I'm selling, I called to straighten out the final payout numbers and have been given the runaround. First, I was promised a call back on XXXX at XXXX by XXXX XXXX ( sp ) to get to the bottom of things. Never happened. Spoke to someone else after who said that her supervisor was contacting Mr. XXXX to then get a hold of me. Never happened. Then on XXXX I was on a conference call with the Title company and XXXX  at Selene to get the final payout etc finished. After a 45 min call which was mostly being on hold and hearing a racially upsetting comment, nothing was resolved other than XXXX  saying that someone would look into it. I was then passed to her supervisor, XXXX XXXX, who proceeded to then speak down to me and then speak over me, intentionally not giving me a chance to speak. Finally after several minutes of this, my frustration, unfortunately, got the better of me and I swore and then he hung up. 

I find it strange that numbers don't add up, they won't explain it, and that once I called them out on this ... my loan was sold to another company. Games and dirty business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 explanation
Consumer complaint received 2022-06-21 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: IL

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 response to consumer: Closed with explanation