vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
Loancare/XX/XX/XXXX Forebearance Date : XX/XX/XXXX Loss of Income due to COVID-19 Job Layoff XX/XX/XXXX : Requested Modification due to XXXX becoming employed XX/XX/XXXX : Submitted additional documents per Loancare request XX/XX/XXXX : Submitted additional documents per Loancare request XX/XX/XXXX : XXXX Laid Off again XXXX but continue to work with bank on Modification. 
XX/XX/XXXX : Received Loan Payment Statements, sent email requesting them to contact us because of Forebearance and Agreement not finalized XX/XX/XXXX : Additional documents (XX/XX/XXXX ) All documents signed/notarized/XX/XX/XXXX package to Loancare XX/XX/XXXX : Agreement for Modification completed and sent to Loancare/XX/XX/XXXX with their XX/XX/XXXXaccount provided with all documents for signature XX/XX/XXXX : Received email stating all documents have been received XX/XX/XXXX : MODIFICATION AGREEMENT ON RECORD WITH REGISTRY OF DEEDS XXXX XXXX Pg XXXX recorded XX/XX/XXXXXX/XX/XXXX Case # XXXX. 
Attempted to make a payment, payment was returned for NSF due to extensive payment processing from Loancare/XX/XX/XXXX 
Mon, XX/XX/XXXX XXXX XX/XX/XXXX Received EMAIL from Loss Mitigation requesting additional documents for Modification ( why when modification agreement was on record with Reg of Deeds? ) Numerous calls to the LoancareXX/XX/XXXX different representatives telling us that we were not under Agreement for Modification?!? It's on Record with R.O.D. Agreement includes Penalty Fees, Late Fees and all other fees that the Federal Government said would/should not be charged to the Consumer. 
XX/XX/XXXX @ XXXXXX/XX/XXXX : Contacted the bank spoke to XXXX was put on hold for XXXX minutes, and was disconnected. Sent XX/XX/XXXX as requested via EMail. Received by USPS request from Loancare to provide additional documents. 
Early XX/XX/XXXX, received a call from an Attorney stating they were handed my file by LoancareXXXX stating XXXX The Bank sent our Mortgage documents to them to assist with Modification '' Called Loancare/XX/XX/XXXX they spoke to XXXX. LoancareXX/XX/XXXX never sent our file to the Attorney. Result pending fees are in process of being returned. 

This has been very frustrating with no resolution in sight. Our Credit Scores suffered from losing our jobs, we are trying to remain in our home, and continue working with Loancare, but each time we contact them we speak to a different representative giving us different information. Sending the same documents repeatedly

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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
In XXXX I received a personal loan from XXXX. Right after COVID hit and I lost everything. In XXXX I began to recover and tried contacting the company and they said they did not have an account under my name but had sold my account to a debt collector called Ad Astra Recovery Services. For 2 years I have tried to pay this off but all I get is no such account, on hold for hours, no answer, or you have to call XXXX/Ad Astra-in other words finger pointing. Now they have blocked me from being able to make any type of payment except money order which I am not gon na do because I have been burned way too many time and the mail carriers are extremely undependable. The finger pointing has begun anew in who is responsible and who can unblock my payment status. The {$500.00} is now {$940.00} because of the shady tactics and false promises by both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
Southwest Recovery Services at XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know owe this company any past due amount of any kind. The company does not have a contract with my signature. I also have email providing proof that account was closed back in XXXX of 2021 and no amount of any kind is owed to the company.

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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I entered an online bill payment using my USAA checking account. The check cleared but the payee said they did not receive the funds. I contacted USAA and I have spent several HOURS on 4 different calls trying to get help. Their first resolution was to put a stop payment, but I explained the check had already cleared my account ( the lack of training of USAA personnel is appalling ). Finally I got someone to file a dispute form on XX/XX/27, and was told I would be notified within 3-5 days. On the 6th day, I called to try and find out what the status of my dispute was, and I was told that I was " min-informed '' ; that it would be 10 days ( even though my 1st call to USAA was on XX/XX/XXXX ) - apparently nothing was done as a result of that 2.5 hour call. This should be a simple process of returning the check as a late return for forged endorsement to XXXX ( it is clearly stamped on the back of my cleared check ) and then crediting my account with the stolen funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
Money was taken out my account that wasnt authorized several times through XXXX. My account was compromised because my phone was stolen during the time of these transactions. I was a victim of sim swap scam and fraud.I called us bank and they refused to give me my money back. A total of XXXX dollars was taken out my account. I even had to open new accounts because of these issue. Which is bank will have documentation of. 

Here the amounts and when they were taken out. 

XX/XX/2021 ( {$900.00} ) XX/XX/2021 ( {$1000.00} ) XX/XX/2021 ( {$300.00} ) XX/XX/2021 ( {$800.00} ) XX/XX/2021 ( {$800.00} ) XX/XX/2021 ( {$600.00} )

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted disputes to you and have not got a response within 30 days. You are required by law to do so. Please investigate my disputes Please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: AZ

Complaint narrative:
On my credit report is an item from XXXX XXXX XXXX and XXXX XXXX XXXX. In both of these instances I have spoken with the agency and both have assured me they have reached out on my behalf to clear these items from my report. I have disputed these items as well as letting the credit bureaus know that I have reached out. The bureaus continue to come back with these on my report despite the fact the both XXXX XXXX and XXXX XXXX have assured me that they put in the forms to have these removed. This is an unethical practice and needs to be fixed.

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I think I may have been a victim of identity theft. Account is not mine!

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 2022-07-05 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: AZ

Complaint narrative:
Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. My record shows that these accounts was Late and I never missed a payments. Please provide me with enough proof as evidence that I have been late on these accounts. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXX XXXX : {$4300.00}

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 2022-07-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went for a XXXX that I booked, for it to be XXXX XXXX XXXX. The person who was supposed to do it did not deliver and instead started doing XXXXXXXX XXXX, I told him to stop and do XXXX XXXX on XXXX occasions during the service and he failed to do it. I tried to resolve the problem with the merchant but they said I must pay, under duress. Under duress I paid it and sought my credit card company 's ( Bank of America ) assistance based on poor quality of service. I did not purchase XXXX XXXX and I should not be charged for it. It is like coming to the car shop to repair your bumper, getting your tire fixed instead, at no request of yours, and the car shop asking to pay for it! The XXXX XXXX can not just provide poor quality of service of something that I did not request and still charge you for it! I looked to my credit card to help me with having charge reversed, and they failed. I do not understand the reason for denial of this charge back, I explained how the service was not what I contracted for and I believe this should be enough to have charge back in my favor. Bank of America must honor charge back for the service I did not buy but was charged for

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 2022-07-05 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX XXXXXX/XX/XXXX Account # XXXX, XX/XX/XXXX XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX Account # XXXX, XXXX XX/XX/XXXX Account # XXXXXX/XX/XXXX XXXX Account # XXXX, XX/XX/XXXX Account # 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 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
My loan for XXXX XXXX XXXX XXXX XXXX, CO XXXX was transferred from XXXX XXXX XXXX to BSI Financial Services in XXXX of this year ( XXXX or XXXX ). Prior to the loan being transferred I paid {$57.00} in PMI via the escrow account. Also prior to the loan being transferred, I had submitted in writing to have the PMI removed as the loan to value ( original value ) was below 80 % which was accepted. 

In XXXX I received an escrow summary from BSI with a breakdown of the escrow payments. I immediately noticed that 1 ) PMI was still being charged and 2 ) the PMI per month had increased XXXX to {$230.00} per month. 

Upon noticing this I called BSI on XX/XX/XXXX. I was told the issue was sent to their escrow team and I would hear from them within 3-5 days. I never heard back and sent them a message on XX/XX/XXXX or XXXX. On XX/XX/XXXX I received a message from them that " We have submitted your request to the PMI department. Review may take up to 30 days and final determination will be sent to the mailing address on file. '' I have not heard anything back from them via phone, email or paper mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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:
I just recently got a hand on my credit report then i realized i have some inquiries that i was not aware of. I've called Experian customer service on XX/XX/XXXX and spoke with XXXX who told me that within XXXX XXXX those inquiries mentioned below would be off of my report. Few days later i check my credit to find out everything still there. Please investigate and delete inquiries from credit report. 
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

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 2022-07-05 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:
I think I may have been a victim of identity theft. Account is not mine!

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 2022-07-05 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:
I think I may have been a victim of identity theft. Account is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violate my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX L 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 2022-07-05 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX account # XXXX XXXX XXXX has violate my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXXXXXX 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 2022-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
There are several inquires on my credit report that I did not give my written permission to have pulled one being XXXX, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with Trans Union XXXX XXXX. 
I will attach the report I've made with IdentityTheft.gov below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have 1 single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires removed.

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 2022-07-05 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: TX

Complaint narrative:
There are several inquires on my credit report that I did not give my written permission to have pulled one being PSECU, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with XXXX XXXX XXXX XXXX. 
I will attach the report I've made with XXXX below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have XXXX single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXX, XXXX XXXX XXXX XXXX XXXX CARD SERVICESXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX. 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. My record shows that these accounts was Late and I never missed a payments. Please provide me with enough proof as evidence that I have been late on these accounts. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 

Here are the list of the accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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