vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-11 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts the below accounts have violated my rights. 

Account : XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have 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. 

I would like these accounts removed. 

Thank you for your time, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Hello, I am a XXXX XXXX XXXX Veteran. I have a Veterans Administration ( VA ) Mortgage with Midland Mortgage. I had a COVID-19 Forbearance Plan. I am able make my monthly payments again, but I am not able to repay the balance of my Forbearance. I have made a good faith effort to find a resolution to the situation, but Midland Mortgage has done everything possible not to cooperate. They continually claim that the documents necessary are either incomplete or that they were not received. I have confirmation that that the documents were received and I have resent them the same items multiple times. They are use the the threat of damaging my credit and taking away my home as a was to pressure me into paying the full amount, which I do not have. I have contacted VA about this, and VA said that they are improperly servicing the loan according to the COVID-19 Forbearance and VA Home Loan Mortgage regulatory guidelines. VA said that I should file this complaint. I have even filed a complaint with their Executive Staff.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am a victim of Identity theft. In XXXX I noticed my credit score dropping and discovered that an account I did not know about was in default. In XXXX of XXXX someone named XXXX XXXX with a XXXX address, apparently opened a Citibank credit card account using my identity. They charged {$470.00} to the card which then was closed in XX/XX/XXXX with an outstanding amount of {$700.00}. 

I immediately filed a police report with my local XXXX, XXXX Police ( Case # XXXX ) and filled an Identity Theft Report with the FTC ( XXXX # XXXX ). I reported the incident to XXXX and XXXX and I notified Citibank. 

XXXX has removed the account from my report as of XX/XX/XXXX. 

However XXXX has failed to remove the information from my credit report. I disputed it in XXXX and again in XXXX of XXXX, providing the FTC report and Police report, but XXXX says that when they contacted Citibank, Citibank says the charges are valid. 

I am unable to reach Citibank. I tried again today and they just gave me the Identitytheft.gov website and phone number.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
RMP Services LLC sent me a letter recently saying As of XX/XX/2022 I owed {$1600.00}, I paid or was credited {$1600.00}, and I owe them {$75.00}. 

They said it is with University of XXXX XXXX XXXX XXXX, however I have a payment plan with them and those amounts are completely off. It seems like a scam since I called University of XXXX XXXX XXXX XXXX billing department, and they told me they don't even work with RMP Services LLC work with this debt collector. As well I owe them {$490.00}, so the numbers are off. I just am concerned they could somehow report on my credit even though it isn't legit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This company contact me about a debt after I asked them not to. 

After confronting representative and sending them an affidavit of Truth that is still unrebutted, they have agreed to committing the usc/consumer violations and continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have multiple savings accounts with Bank of America, and a checking account with overdraft protection. When I opened the savings account, Bank of America gave me checks to draw off of that account, and a term of the contract was that I could write checks off the account. 

Last week I used one of those BOA checks to draw {$100.00} from the account as a gift. Despite there being more than enough funds in the account, BOA denied the check, causing harm to me and to the recipient in humiliation and still to be determined fees. 

When I called the bank about this, they said that last year they determined to no longer accept checks off savings accounts. This was a material term of the original contract, and as stated before, the bank even gave me the checks. Apparently BOA says the communicated notice by mail and email, but of course, I get several emails weekly, even daily, for promotional offers from BOA. Most of this is spam. Any notice of a change of this magnitude was insufficient, given the potential harm to a consumer for a returned check. I am confident that others are similarly situated and I want the CFPB to investigate whether notice was sufficient in light of the spam mail BOA sends out continuously, and how many other consumers have been negative affected.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have repeatedly asked for copies of my payment record that show late fees charged. Ally has yet to provide one. Now I am at the end of the payoff on this loan and I owe almost nothing but late fees. Even during the pandemic no late fees were waived and I suspect I have been charged late fees ON my late fees! In addition, Ally has charged both of my banks so many times I had to place stop payments because if the funds aren't there I am charged by my bank each time Ally tries to take the ACH debit, and Ally will continually hit the bank on a daily basis until the finds are there. No cooperation whatsoever, and I am absolutely fed up.

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 2022-08-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX System Account # XXXXXXXX XXXX Accounts Account # XXXX XXXX XXXXXXXX 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 2022-08-11 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a victim of Identity Theft. I am requesting that companies remove and block these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I am a victim of Identity Theft. I am requesting that companies remove and block these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 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: Carter-Young, Inc.
State: GA

Complaint narrative:
Confirmation # XXXX - I do not owe this account. This issue was resolved with the original creditor " XXXX '' who now has merged with XXXX of which I have since obtained an account with not issue. 
This debt appears on my credit report with a different debt collector, and it should not be, I have disputed this debt I do not owe, and every time a new debt collector gets my information it is allowed to report it on my credit report and the dates are incorrect, they keep making the dates current regarding the alleged balance. This should not be allowed to be reported on my credit report because I do not owe. 

Confirmation # XXXX I applied for financial assistance with the original creditor regarding both of these debts and they have been written off with the original creditor. I do not owe these accounts, and these should not be on my credit report. In addition to the reporting the dates are in accurate. In correct information regarding the reporting of this alleged debt is incorrect and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Note : I have ( 2 ) previously satisfied accounts through this vendor. On XX/XX/2021, I purchased a product through Acima ( Lease-to-Own ), with a ( 90 ) day option to satisfy the purchase agreement. On XX/XX/2021, I called Acima to determine the ( 90 ) day option ending date, and the amount needed to satisfy the agreement. An Acima employee stated : " The ( 90 ) day option expires on XX/XX/2021. '' On XX/XX/2021, I called Acima, prepared to satisfy the ( 90 ) option agreement amount. An Acima representative informed me, the ( 90 ) day option expired on or around XX/XX/2021. I referenced the previous call and asked them to review the notes from the previous contact. I was informed there weren't any notes of the call, and I would be charged the entire amount. I am of the belief, Acima misrepresented the terms of the agreement. I have purchased several products through a " lease-to-own '' company, and never had any issues with the terms and conditions. Acima advertises as a " no credit needed '' solution for purchases ; however, Acima has placed a " delinquent account '' notice on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: GA

Complaint narrative:
I spoke with XXXX XXXX in XXXX on Tuesday, XX/XX/2022 at XXXX XXXX. XXXX advised that she would provide the proof of my payment and proof that my payment had been applied to my mortgage loan.. 

She told me that I couldnt have account access to review my payment and how it was applied because my loan would be transferred and once it was transferred I could have access to my payment and account through whatever company that may be. 

XXXX advised me of this after I submitted the complaint below : My husband and I paid our mortgage on XX/XX/2022 using the mortgage statement that was sent to me by American Pacific Mortgage and the loan number provided on the statement. The mortgage payment has been deducted from my account. I called American Pacific Mortgage to confirm payment was applied to account because they didnt provide an online portal to review account. When I called I was told there was no record of an account in my name or my husbands name, I was told that mortgage number did not exist and that they have no record of a payment. I asked them how was that possible and I was told they didnt know and now my money is not accounted for and Im told we do not have an account but on all of our closing docs and our mortgage statement all have this loan number we were told doesnt exist. 

I have not received a notice of transfer and its been well over a month since closing. That notice at least requires 15 days prior to transfer, its XX/XX/XXXX and I have no notification of such transfer and I need access to my account and payment history and detail in full accuracy. XXXX advised that she would send all requested proof via email, as well a vial mail. 

It has been over 48 hours and I still do not have the email she advised she would send with proof that they received it ; I have not received any documentation via mail either. XXXX stated that they applied the payment that was made on XX/XX/2022 to our mortgage loan on XX/XX/2022 ; its XX/XX/2022 and I still have no proof that it was actually applied when received as required by law. Waiting until the loan is transferred to provide proof of my payment is not acceptable for our records. I need the requested proof provided to protect myself and my husband from anything that will undermine our investment.

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 2022-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief