vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Their is Incorrect information on my Experian credit report. I sent a letter on XX/XX/2023 to Experian and I have not heard from experian about the letter I sent them.

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 2023-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
In XXXX I was the beneficiary of a Federal Emergency Homeowners Loan Program ( EHLP ). I got a {$50000.00} forgivable loan as long as I kept making my payments and used my house as a principal residence. Thirteen years later, I wanted to sell my house and discovered that HUD had put a lien on my house when I took the emergency loan. In the meantime, I lost all my documentation due to a malfunctioning sump pump in my basement in XXXX. HUD is asking me to repay the {$50000.00} forgivable loan unless I can prove that I paid my mortgage on time between XXXX and XXXX. They won't even accept bank statements because they didn't show when payment was due, only when payment was made. Specialized Loan Servicing LLC refused to provide me with all the billing statements between XXXX and XXXX, stating that they didn't service the loan during that period. If I can not prove to HUD that I made these payments, they want me to repay them {$50000.00}. I met my financial obligation if I still have the same mortgage since XXXX. 
I want to file a complaint against Specialized loan servicing LLC for refusing to provide me with my billing statements from XXXX to XXXX or write a letter stating that I have paid my loan on time for the past 18 years. Their inaction could result in me having to pay {$50000.00} to HUD. I want to file a complaint against HUD /Federal Emergency Homeowner 's Loan Program for not letting me know that I had a lien on my house at the end of the program in XXXX. But six years later, asking for documents that are difficult to find. Instead of helping, they are doing everything to get their money back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct 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 2023-06-29 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Transunion to reinvestigate these accounts : Account name : XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/2023, I called Discover about their 0 % APR for 15 months that included balance transfers for 0 % APR. I called specifically to inquire when payments would start as it was not stated on the offer mailed to me. I was told that payments would start in 15 months and I explained that was good and that would be the only reason that I would sign up for the offer. After starting the application I asked to call my bank to see if they had a similar offer which they didnt. I called Discover back and finished the application and was then told my payments would start the following month. I then called to speak to a supervisor who told me to write a complaint letter and mail it to a XXXX XXXX with no timeframe to be answered. On XX/XX/XXXX, the following day I called the corporate office to resolve the issue where they proceeded to give me the run around. I called back a few days later and a man named XXXX said he would begin an investigation. He told me the balance transfer hadnt gone through where I then asked him specifically if it would not go through since they were not honoring the no payments for 15 months which he verified that I was told was the offer when I signed up for the card. On XX/XX/2023, {$4200.00} was transferred from my XXXX account to Discover. When I called back about how this happened I was given the run around some more without the original issues being addressed. I have not received mail or statements in the mail from them but I recently opened an email stating that I have a payment due by XX/XX/2023, that will be sent to a creditor which will in turn negatively impact my very good credit score. I dont have an account number with them that I have information on. They didnt help with anything when I called again today on XX/XX/2023. Discover duped me into this card so I contacted the Federal Trade Commission today, XX/XX/2023, who had me contact the Consumer Financial Protection Bureau to file my complaint. I am looking into legal assistance, filing a complaint with the XXXX XXXX XXXX  along with possibly contacting the FBI to file for white collar crime against Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Siggi LLC
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-29 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: EQUIFAX, INC.
State: HI

Complaint narrative:
They have continually billed my account for 2 years  and I was not able to log in and use their services. Submitted several lock requests in XX/XX/XXXX and XXXX, and XXXX. 

Major refund of all services because my subscription fee was rendered USELESS due to their continuous lockout and inability to refund or compensate for loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VI

Complaint narrative:
SUBJECT : USAA Federal Savings Bank & stolen funds via fraud To whom it may concern : United Services Automobile Association ( USAA Auto Insurance ) is wrongfully holding me liable to pay {$820.00} from a fraudulent USAA Federal Savings Bank checking account fraud, and ATM card thief that was protected by bank policy, and regulation that did not hold me liable. USAA Auto Insurance refuse to give me auto insurance until I pay back the {$820.00} which was the amount of loss from an allowed individual fraudulently deposit counterfeit money orders with my stolen ATM card. USAA Federal Savings Bank has always reported to me that I do not owe anything from that fraudulent transaction and thus my account is clear and free from debt owe ; however, USAA Federal Savings Bank did not replace my personal funds that were taken in lieu of at least XXXX fraudulent money orders in the amount of {$800.00} ( or {$400.00} each ) and this is where USAA Auto Insurance is holding me liable and will not give me auto insurance until {$820.00} of that debt is paid. 

I am seeking to file Formal Complaint to the Consumer Financial Protection Bureau and the Georgia Insurance Commissioner about USAA Federal Savings Bank & USAA Auto Insurance holding me liable, unwilling to provide auto insurance to me on the basis of this fraud that their Banking Company did not correctly resolve by not replacing my {$800.00} of personal funds taking during their bank fraud. My funds are still missing in USAA Federal Savings Bank and I am held liable in United Services Automobile Association for monies that should have been in my account to cover their {$820.00} sought for my reestablishment of auto coverage they are refusing to give me. 

This behavior to deny replacing my stolen funds and then allow me liable for that account deficit in your auto insurance division is scandalous at best. 

REFERENCE : Consumer Financial Protection Bureau complaint file # XXXX XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: GA

Complaint narrative:
Hello my name is XXXX XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third party agency. Please see the following documentation and meet my requests in a timely fashion. Thank you for your timely compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover card Credit Card harassed me and my extended family about a debt by calling and referring my personal information to a debt collection agency. This agency called my family and harassed them with letters and phone calls as well. These actions endangered my welfare and well being of my family. Due to Law 15 USC 16G - All negative information, accounts, names and inaccurate information is to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: FL

Complaint narrative:
ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX is reporting an account on mu consumer report with debt that is charged off since XXXX XXXX  XXXX i requested a copy of the 1099-c form that is required for a company to file for canceled debt to the IRS. A creditor must file a form 1099-c if ( 1 ) debt in the amount of {$600.00} or more is discharged ; ( 2 ) the creditor is an applicable entity ; ( 3 ) an identifiable event has occurred. the creditor must file the 1099-c the year following the Calander year when the qualifying year occurs. this form shows the amount of debt forgiven, and creditors must issue this form even if the debtor is not required to report the amount as income. attracted below is a copy of the response I've received from XXXX XXXX XXXX where they stated that their was no 1099-c form filed because i still owe a balance. according to the IRS every company that is reporting canceled debt over {$600.00} MUST FILE A 1099-C from. this company is in violation for reporting inaccurate information to my consumer report and is causing me extreme anxiety and is affecting my family and I. This company is not reporting correct information. i am in contact with a consumer lawyer and will seek litigation against this company as well as the consumer reporting agencies who are reporting this inaccurate information because they have also completed an improper investigation. I will be seeking {$1000.00} per violation. I have the right to a accurate credit 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 explanation
Consumer complaint received 2023-06-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-29 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: NC

Complaint narrative:
XXXX  account has violated my rights XXXX XXXX XXXX XXXXXXXX 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 2 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 it also states a consumer reporting 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 2023-06-29 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I got email about my account needing verification, when i clicked the email it brought me to my bank of america app. In the process i learn that all my money was taken from my account from a hacker, that from the looks of it says in Branch withdrawals. Somebody has my information and has stole my money. {$170000.00} was taken from me. I have contacted bank of america but they have not issued the money back to me

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 2023-06-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This about Equifax credit bureau. My credit score went up from XXXX to XXXX. This was on XX/XX/23 to XX/XX/23 because they removed collection off my account. Called their agent because my credit score should have went up to XXXX. On XXXX XXXX if collection is removed goes up to XXXXpts instead only went up to XXXX pts. Two days later they add collection back on my credit and score went down to XXXX and add my credit card account my score went down again at XXXX. They removed XXXX XXXX  XXXX XXXX off again my score went down again instead of going up. My score is at XXXX now called them no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: ASSURANCE FINANCIAL GROUP, LLC
State: VA

Complaint narrative:
I am a XXXX XXXX  of XXXX children who had a loss of income in 2020. I applied for forbearance with Assurance financial in 2020 and it was accepted. For the past year since the forbearance I have been applying for a loan modification per the mortgage company to get my loan going again. I have sent them every document they have asked for and they continuously kicked my paperwork back and deemed my package incomplete over and over. I have someone at the VA involved as well and has seen how they are giving me the run around. They are now trying to foreclose on my house even though I am still in the loan modification process and sending them everything they are asking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: MD

Complaint narrative:
Im having issues with a debt collection company, of the name phoenix recovery group. This company has been trying to collect debt from me from 2020. Ive reported this debt to XXXX  and XXXX reporting as a fraudulent collection debt. XXXX has removed the case from my file. But XXXX wont Ive sent over so much documentation that this is fraudulent any nothing has be done. Ive mailed the phoenix recovery group about removing the fraudulent debt they have on my credit report. The mail me back pass XXXX days say I have to pay the debt. Next i mailed them back stating its fraudulent and they need to remove the false information immediately. They still havent done so Im sure tired of making disputes and nothing has been done about it.

Company response to consumer: Closed with explanation