vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America failed to pay my escrowed taxes that were due XX/XX/2022. I contacted them on XX/XX/XXXX, when I was notified by my town that my taxes were unpaid and had accrued a late fee. They opened up a case and I assumed the taxes would be paid immediately along with the late fee. I followed up with several phone calls after that and was told it was being handled. I then received another letter from my town along with an additional late fee early XXXX that taxes were still unpaid. I called Bank of America and was able to get through to a supervisor on XX/XX/XXXX who told me she can not confirm when the taxes would be paid because they still had not gotten any response back from their escrow/tax dept regarding my case. I now had incurred 2 months worth of late fees and asked her to have me removed from escrow and I would pay the taxes myself. She told me this was not a problem and would remove me immediately and I would have my escrow refunded to me in a couple of weeks. There was over {$4000.00} sitting in my escrow and I had to come up with other money to pay my taxes. I find out today ( XX/XX/XXXX ) that the bank sent out a check for my taxes on XX/XX/XXXX to my town. I paid the taxes on XX/XX/XXXX and told them NOT TO PAY MY TAXES. The town will be receiving a duplicate payment and by law has to return the Banks check to them because they paid second. They also did not even send late fees with their payment. Bank of America said I need to keep an eye on my account for when the amount gets refunded from the town back the mortgage account and then only to call and ask for an escrow analysis before they can give me any of my money back. This is Unacceptable! We are hard working people with a child in college. I had to come up with more money to pay my taxes when they already had my money. There is no mention that I will be even getting back the late fees I paid that they incurred! This would have to be a whole different request. I have paid off a couple of other mortgages in the past with other banks and this has never happened. Someone should be held responsible as they should not be allowed to get away with this.

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 2022-03-28 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted apple regarding a transaction that occurred in error. Ive attempted to get this issue resolved XXXX separate times and spoke with XXXX managers that ASSURED me it would be corrected. At first I was given a XXXX day turn around on XX/XX/XXXX. Then I had called back on XX/XX/XXXX I was given XXXX days then contacted them XX/XX/XXXX I was given XXXX days then I contacted once more at the beginning of XXXX and was told again XXXX days and they could not open the review because it was locked so there was nothing that could be done but was told extensive notes would be taken and just to wait it out. I advised I would be calling back or taking further action. I have waited XXXX more weeks with no response and now it has been reported to my credit bureau about this supposed transaction that doesnt exist. In my apple statement it shows Im negative {$2100.00} which isnt allowing me to get anything using my credit. I am unable to apply for anything at this time. Ruining my credit in the process and unable to use my card for any purpose but still having to pay it. I was charged {$2100.00} on XX/XX/XXXX. The reason being was my monthly payment was supposed to be taken out on that day I had contacted apple because I can not make that high of a payment so I asked to be switched to minimum payments and so it was done. I was refunded the {$2100.00} the following day with my bank and all that was needed to be done was this to be updated on my statement ; the error corrected. The minimum payment was {$88.00}. Instead I was charged the {$2100.00} exceeding my limit and causing it to be reported to my credit bureau. Every time Ive contacted apple theyve said it was an issue on their end with different time frames as to when this would be corrected. And as of today XX/XX/XXXX its still in review. I am unable to use my card as intended ; emergency purposes and Im still having to pay off a balance that isnt mine. In no time did I purchase anything of the amount of {$2100.00} which was disclosed of many times. I also asked about a temporary credit which was also denied as to the fact that my account was in review and locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX. 
XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2022-03-28 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2022-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Received a letter in the mail from Transworld Systems Inc regarding a {$38.00} debt collection for XXXX XXXX account number XXXX. The charge is for XX/XX/XXXX. I have not used XXXX XXXX since XXXX of XXXX. The reference number for XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: IL

Complaint narrative:
A {$73.00} transaction was sent to my old closed account via through cashapp! ... because the account they sent it to was closed the bank sent the money back! ... Now cashapp is claiming that they never recieved the funds back from the bank and closed the case for the refund!! ... my bank has screenshots of this transaction as well as retrieval reference numbers and time and date the transaction took place!! ... it happened on XX/XX/2022 at XXXX!.. 
In the amount on {$73.00} ... not 1 of the customer service representatives through cashapp helped in fact they just told me the same thing over and over and then closed down the case without me recieving the payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: CA

Complaint narrative:
I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX file date of XX/XX/XXXX to XXXX, equifax, and XXXX  about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. XXXX court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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:
I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX  file date of XX/XX/XXXX to experian, XXXX, and XXXX about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. XXXX court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.

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 2022-03-28 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: AR

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAVE ALL VIOLATED MY RIGHTS. 


PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY 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 2022-03-28 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: AR

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE ALL VIOLATED MY RIGHTS. 


PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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: WI

Complaint narrative:
Experian claims that the bankruptcy they are reporting has been verified by the courts and XXXX XXXX. However, I've proven that neither XXXX nor the Courthouse interact with the credit bureaus in any form. Neither the Courthouse nor XXXX contact to report bankruptcies nor do they verify bankruptcies. In fact, XXXX doesn't even show anyone 's full social security number. Furthermore, XXXX XXXX has stated they do not have a bankruptcy listed on my profile or my unverifed profile. 

This means that Experian is fraudulently claiming a method of verification that has been proving to be invalid. Experian is blatantly disregarding FCRA guidelines and violating FCRA as well as my consumer rights.

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 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
I called talked to XXXX to get it off my credit report i never signed any documents to sell my information to this agency. They were very rude and did not want to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 Convergent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act Convergent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-28 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: MO

Complaint narrative:
After reviewing my report I noticed an unauthorized inquiry on my report. 

I am DISTRESSED as a result of this report as it could hurt my ability to obtain credit. 

Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the PHYSICAL verification of the original signed consumer contract, or an inquiry initiation confirmed through PHYSICAL Identity verification on ANY and ALL accounts that you post on a credit report. Otherwise ANYONE paying for your reporting services could fax, mail or email in a fraudulent account or initiate applications for credit by using stolen identity information. 

I demand that the following inquiry be removed IMMEDIATELY as it was not initiated by me and is not mine : XXXX  | XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Credit karma unfairly closed me account after I disclose THEE fact that me have a intellectual XXXXsomeone steal all money from THEE account of me. Not fair, not cool. They discriminate like most people because me XXXX American and not smart very but getting very better. People take disadvantage of me and I am tired. Someone steal all money of me from credit carma account and credit carma do not help me. I reported a call to the polices and they give to me a number XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: MO

Complaint narrative:
This debt is claimed to be owed XXXX XXXX, XXXX XXXX XXXX, according to XXXX XXXX for which I am an employee of, the debt as been satisfied. When I contacted the debt collector I was told that I owed {$6.00}, when I tried o report to them that the debt was completely satisfied they ignored me and has continued to ssend notices and make phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
Hi CFPB, I applied for the California Mortgage XXXX XXXX ( the CA arm of the XXXX XXXX  XXXX created in the XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. 

To receive relief funds, the program requires my mortgage servicer, CMG Mortgage, to email XXXX to join the program. 

After XXXX calls, XXXX online messages, and a fax, CMG has consistently refused to send this one email on my behalf to join the state program. I just got off a one hour call with CMG, where the loss mitigation representative refused to transfer me to a supervisor and advised that I simply give up. 

I also called the California Mortgage XXXX XXXX XXXX, who told me that there's nothing they can do if my servicer refuses to join the program. 

So CMG and the CA Mortgage Relief program have both told me that they won't reach out to the other party to add CMG to the program. The result is that I can not access the $ XXXX of relief funding that I believe I would qualify for if my servicer joined the program. 

Now that I've hit a wall, I'm reaching out to the CFPB to see if you might be able to help me convince my Mortgage servicer to participate in the program and/or access the California Mortgage XXXX funding. 

Your help is sincerely appreciated. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28 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 XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation