vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase home finance is the current owner and investor of my mortgage loan. I fell behind on my mortgage payments during a long divorce in XXXX. During this time, the judge informed us that my ex would have all the rights to live in the house and was forced to find housing elsewhere, temporarily. After applying formodification in XXXX one was offered and sent to the subject property without my knowledge and never signed. Later, I found out in court that the modification was denied because it was not signed and returned in time. 

After tis unfortunate turn of events, my income had went up and continued to apply for Loan Modification with Chase. Since this time I have been unable to even get reviewed for loss mitigation options and have been told on numorous occasions that the only option is sale of my home or deed-in-lieu. I have proven without a doubt that my income can handle a new payment, even if it is significantly higher than previous, but have been unable to even apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 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 an 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 2022-08-04 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 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 2022-08-04 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 — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Last year I went through a time of fore bearance with my mortgage with Quicken Loans/Rocket Mortgage. I was told by them that I would have to check in periodically, which I did and that I would not need to make any payments and there would be no payments demanded during this time. I was able to start making regular mortgage payments starting last XXXX and have been on-time/current ever since. I was told by the people that processed the loan modification after the fore bearance that I would have to have twelve consecutive months of not missing or being late on my mortgage payments and then I could re-finance at that time ( XXXX of this year ). I found out yesterday that Rocket Mortgage/Quicken Loans reported me 60 days delinquent on XX/XX/XXXX and then 150 days late on XX/XX/XXXX. I called to speak with them regarding this today and was told by their representative in the account resolution team that I missed some check-ins with them during that time of forebearance and so they were required to report it that way to the credit bureau XXXX All the time, every month I would check in they would tell me that they understood and that nothing will impact my credit, not to make any payments until they were able to get the loan modification completed. They did the remodification in XXXX of last year and I started making payments the first of XXXX and faithfully on time without fail ever since. This now locks me in to stay in this loan with Rocket for three years according to what I was told by another lender who was looking into the possibility of refinance and getting some equity to pay off some debt/make some home improvements. I feel they were not operating in any integrity and now just want to keep me locked into their mortgage for three years without me having any options. There have been several calls from representatives of Rocket/Quicken to try and get me all set up for refinance with taking out equity in XXXX of this year and now I find out that it will be XXXX of XXXX before I can refinance based on this error in their reporting against what they instructed me to do and said would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc.
State: FL

Complaint narrative:
I received a letter from Sallings Financial Group dated XX/XX/XXXX. I sent them a letter back on XX/XX/XXXX informing them this is not a valid debt. The letter was sent certified with return receipt. I then checked my credit from all XXXX agencies. They showed this invalid debt on my credit report. I showed proof that the Sallings Financial never followed up in the 30 day window to show proof of debt. All 3 credit reporting agencies removed the invalid debt. I again sent Stalling Financial Group a letter explaining this and informed them of their illegal activities. I then received a letter dated XX/XX/XXXX. They are trying to refresh the date of them sending me the debt request. I have sent them a final letter to cease and desist. 

They are not following the law. I do not own this debt. I live in Florida and the debt is on a house in Georgia, that I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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. I have no knowledge of this account and it shouldn't be on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 have attached an FTC report with inquiries I did not authorize

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 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Was contacted today by Chase and told due to a random review selection they were reducing my credit limit from {$6300.00} to {$1000.00} after I sold an asset and liquidated the balance to insure I had the line open and available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My EDD maternity leave benefit account on the Bank of America pre paid card was hacked when I clicked on a scam text message by mistake. The amount of {$4700.00} was taken from my account on XX/XX/2022. I filed a claim on XXXX the morning I realized my money was gone. On XXXX EDD deposited {$2600.00} to the BoA card, I called the bank immediately to make that money transfer to my account but I was told I couldnt do anything since I needed a new card replacement and that it was already ordered. On XXXX the money was gone- AGAIN! Now total of more than {$7000.00} was lost and gone. I am getting no answers as how it happened twice. I am requesting a check to be sent to my mail address because someone has my information and will keep getting my money even with a new card replacement. I am desperate and my family and I rely on that money for mortgage, baby expenses and to pay bills. Please 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 monetary relief
Consumer complaint received 2022-08-04 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: IL

Complaint narrative:
I summited a request to XXXX and Experian asking how they did obtain my bankruptcy, and if they could delete it from my credit report. in return they stated it was verified by the United States bankruptcy XXXX. I wrote the United States bankruptcy XXXX and asked how they report? I received a letter from the United States bankruptcy stating that they do not report any information to the credit bureaus.

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 2022-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Marine One Acceptance Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX an Affidavit of Truth was sent to Marine One Acceptance Corporation stating facts pursuant to the Truth in Lending Act. I, natural person and original creditor, issued my social security card and entered a consumer credit transaction with Marine One Acceptance Corporation on XX/XX/XXXX. Pursuant to 15 USC 1605 ( a ) a finance charge shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction ''. A finance charge of {$7900.00} was credited. An illegal cash down payment of {$4200.00} was also taken which pursuant to 15 USC ( a ) should be included in the finance charge. Due to these facts and pursuant to 15 USC 1666, Marine One Acceptance Corporation mailed affiant statement dated XX/XX/XXXX containing billing error in the amount of XXXX XXXX XXXX and XXXX/XXXX ( {$830.00} ). All of this was stated in the attached Affidavit of Truth. 
Marine One Acceptance Corporation did not respond with a rebutted Affidavit, but responded with a copy of the Security Agreement and sticky note on XXXX XXXX. Pursuant to Morris v. National Cash Register Co., 44 S.W.2d 433 uncontested allegations in affidavit must be accepted as true ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: OH

Complaint narrative:
Name : Professional Debt Mediation , Inc . 
Addres : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Original Creditor ( ALLEGED ) : XXXX XXXX High BalanceXXXX Date opened : XX/XX/XXXX Date Reprted : XX/XX/XXXX Here are supporting facts by law of the federal corporate United States as defined Title 31 3123 28usc3002 ( 15 ) a FRNs are obligations of UNITED STATES : HJR 192 Title 18 8.

Established in 1933 under H.J.R. 192 and exercised by actors, agents, and fiduciaries of every commercial transaction by commercial banking institutions since that date with the Abrogation of the Gold Clause Senate Document No. 43, 73rd Congress Congressional Record, March 9th, 1933 on HR 1491, p.83 As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States XXXX and/or its designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for me to be held liable for government obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. US DEPT ED Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My personal information is inaccurately reported. Rather than fix the problem, TU sent me a letter accusing an unauthorized third party made the request. As if I'm not capable of advocating on my behalf. XXXX corrected the report ( thank you ). And XXXX never bothered to reply!

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 2022-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WA

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX ( Original Creditor : 11 XXXX  ) Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
I contacted debt collector Nationwide Recovery Systems, to see what this account was. I never went to the facility that is listed as the original creditor. Everything that was talked about didn't make sense.

This " debt '' was bought for a second time. Yet NO correspondence was ever received, NO EOB '' s, no statements, NO BILL EVER. Not from the original creditor listed as XXXX XXXX XXXX or the collection agency XXXX XXXX. It is now magically appearing 4 years later on my credit report. And the bill amount happens to be just over the {$500.00} at {$660.00}. Now that laws have changed for medical collection under {$500.00} not to be placed on your credit report. 

Convenient for them the location of the facility is permanently closed and I am unable to obtain the said bill that is owed for the supposed original creditor. 

When asking to validate the debt, an excuse was given at every turn. 

They said XXXX XXXX has the information of the " debt '' but can not disclose a contact for them when I asked about it. I never received anything from XXXX XXXX XXXX or XXXX XXXX. it will take 30-35 days to receive the bill, because they only communicate through a portal and do not have contact with the agency any other way... 

That being said this is not HIPAA compliant as I NEVER signed a authorization to release my records to anyone. Also under Texas law you have 11 months to send a patient a bill. This is way past the time filling to send a bill. There was never any correspondence the facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 USA XXXX XXXX, XXXX XXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri XXXX XXXX # XXXX, Missouri 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: TN

Complaint narrative:
My credit score has been placed in a lower band level due to Equifax drastically dropping my score. I recently got approved for a new credit line. About 45 points was taking as a result of this. This isn't the first time I have experience a drastic drop in my credit score with Equifax. How do you come up with how many points should be taking and what constitutes it? 
I am being discriminated against. This is defamation of character. This has ruined my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I made a cash deposit on XX/XX/30 and the ATM went out of service during the deposit. The machine kicked my card back out but not my {$120.00}. I immediately filed a claim with their customer service and have heard nothing yet. There is no reason for it to take this long. I called customer service again on XXXX and after waiting in the queue for 30 min. they could tell me nothing but in process then transferred me to the claims department who never answered my call. I sent the same information as above to their XXXX XXXX and they responded with the following : Hi XXXX, thank you for reaching out. We're sorry to see the ATM malfunctioned and did not deposit your funds like anticipated. Our ATM dispute claims can take 10 business days to complete from the time of filing. For more information about the claims process please contact our 24 Hour Customer Service team at XXXX. Kindly, XXXX You can't tell me that they don't balance the ATM 's daily. Again, there is no reason for it to take this long to credit my account with my {$120.00}. I want my money now!!!

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