vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
In XXXX during the pandamic we fell into a hardship and fell behind on or mtg. we asked for a loan modification and they lked us to believe that we were in one but we wasnt. so we fell behind again and the same thing happened in XXXX we asked for a loan modification to lower our payments because I was out of work but istead they gave us something else and our payments increased and we couldnt afford to keep them up because our house was damaged by a storm on XXXX, XXXX and we filed an insurance claim and the claim has changed so many hands and has not been completed and it has been hit by storms again. its been a year and 2 months on this claim and its still not resolved so we been trying to fix our home and make our mortgage now they are trying to foreclose on our home. the storms have almost destroyed our foundation and there is over {$300000.00} worth of insurance coverage on the home and its going to ruins, my family desperately need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am a victim of human debt XXXX, which falls under XXXX  according to XXXX-Debt Final rules1002, 142 ( b ) ( 4 ) -5 -- 1002142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within >>>>>>4 BUSINESS DAYS<<<<<<<<<pursuant to 605C of the Fair Reporting Credit Act. I am a victim of XXXX XXXX of debt bondange and would like for all listed accounts to be blocked and removed from Experian and XXXX. 
XXXXXXXX XXXX XXXXXXXX {$1500.00} -XXXX XXXX XXXX XXXXXXXX {$860.00} -XXXX XXXXXXXX {$1400.00} According to the FCRA, specifically : 1. **Section 605B** : Requires the deletion of information resulting from identity theft.

2. **Section 611** : Provides the right to dispute information in my credit file.

3. **Section 623** : Requires that furnishers of information to credit reporting agencies ensure the accuracy and integrity of the information provided.

4. 15 USC 1681 Section 602 states I have a right to privacy.

5. **15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

6. 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to Despite my previous attempts to resolve this issue with both the creditor and your agency, the inaccuracies remain on my report. In addition, please note that if this matter is not resolved promptly, I will be compelled to escalate my complaint to the Attorney General 's office. This step is necessary due to the multiple failed attempts to address this matter through the proper channels. I will be waiting for 30 days before I escalate this matter any further ( FRCA section 611 ( A ) ( 1 ) .According to FRCA Section 604 ( A ) ( 3 ), please provide proof of signature giving the the approval to pull my credit report, run my credit report, or do any kind of business.

If you can not verify the debt, please remove this off my account for the THIRD TIME!!!

According to FRCA section 605 ( c ) you are in error by even updating this account! I am disputing all inaccuracies including my address.

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 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX, I initiated a transfer of money to my Laurel Road checking account, and I noticed that the day after I did that, they wouldn't let me log into my account because they claimed that they have to do a security check. I want to close my account with Laurel Road and get my money back because I have seen many negative reviews about this company and how they mistreat their customers, and I feel the same way. I sent in my phone bill statement, and the bank account statement from which I transferred money to my Laurel Road checking account per their request. This is the message I got after I tried to log in on their website " We're conducting a security review to protect your account. We may reach out to you for additional information, if needed. Most reviews are resolved within 10 business days. For help, call XXXX or TDD/TTY : XXXX. ". I have never experienced any bank or company doing something like this before, and I am astonished that they're able to get away with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: LA

Complaint narrative:
I reached out to the companies listed that the apartment complex sent me because it's on my credit report 3x for the same creditor with different amounts. XXXX XXXX wanted me to pay {$370.00} to have it removed because they said by law the information was inaccurate but wanted to charge me to allegedly have it removes. Then the dates are inaccurate I haven't stated there since I purchased a home in XXXX  and it's showing up from XXXX. The amounts, dates, and times listed are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The details of the fraudulent accounts are as follows : 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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: King of Credit Financial, Inc

Complaint narrative:
I booked a full-size SUV through Dollar rent a car. Upon arrival at Dollar in XXXX XXXX, there was no full-size SUV available. 

Eventually, the Dollar representative, through her manager, offered an upgrade as compensation. I was allowed to take the vehicle for XXXX USD per day instead of the XXXX USD per day that I had already paid to XXXX ( partner of Dollar rent a car ). This adjustment was supposed to be made upon returning the vehicle, and nothing would be charged to my XXXX. 

I also see that an upgrade charge has been applied, but this was not agreed upon. I have been trying to explain this to dollar for a month now. 

The woman at the counter informed me that this charge would be offset against what I had already paid to the partner where I booked the car. The upgrade was free of charge because there were no cars available in the category I had booked. She said it would be cheaper to do so. 

When asked to sign, the device only shows the rental number and nothing else. You only see what you signed after the fact. 

Now I see that I have paid XXXX USD to Dollar + I already had payed XXXX USD to the partner. The Dollar representative mentioned that the final difference would be XXXX USD in my favor. The partner also confirmed this was misleading by Dollar rent a car. 

Who in their right mind would suddenly pay double when picking up the car? 

Dollar Rent a Car is not being helpful and is only sending back a few words in response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> I went to Bank of America to XXXX, NJ. I had enough available money on my account to buy bank check ( cashier check ). Upon asking to buy a bank check for XXXX ( that I needed for my attorney for the closing ), I was told by the bank manager named XXXX that he will not serve me. Manager XXXX looked at me and my husband as we are some kind of criminals. Perhaps it was based on our accent. I am XXXX  but I am also US citizen. My husband was trying to deposit cash earlier after we sold our old RV and manager XXXX was rude to him. His demeanor, body language and comments are not what other people in that branch have. He threatened my husband I will report you anyway without explaining what it relates to without asking where money came from or what banks procedures are and why and to whom he will report my husband. He looked at us as we are some kind of criminals or dealing drugs. I had to drive to another branch ( in XXXX, NJ ) where we both requested the same service and received excellent service. Finally, I was able to get my money in a form of bank check for my closing.

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 2024-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
ID theft transferred my money to ford moto credit comp {$110000.00}, and spent it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am a victim of human debt XXXX, which falls under Trafficking according to XXXX-Debt Final rules1002, 142 ( b ) ( 4 ) -5 -- 1002142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within >>>>>>4 BUSINESS DAYS<<<<<<<<<pursuant to 605C of the Fair Reporting Credit Act. I am a victim of XXXX XXXX of debt bondange and would like for all listed accounts to be blocked and removed from XXXX and Equifax. 
XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXXXXXX XXXX {$860.00} -XXXX XXXXXXXX {$1400.00} According to the FCRA, specifically : 1. **Section 605B** : Requires the deletion of information resulting from identity theft.

2. **Section 611** : Provides the right to dispute information in my credit file.

3. **Section 623** : Requires that furnishers of information to credit reporting agencies ensure the accuracy and integrity of the information provided.

4. 15 USC 1681 Section 602 states I have a right to privacy.

5. **15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

6. 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to Despite my previous attempts to resolve this issue with both the creditor and your agency, the inaccuracies remain on my report. In addition, please note that if this matter is not resolved promptly, I will be compelled to escalate my complaint to the Attorney General 's office. This step is necessary due to the multiple failed attempts to address this matter through the proper channels. I will be waiting for 30 days before I escalate this matter any further ( FRCA section 611 ( A ) ( 1 ) .According to FRCA Section 604 ( A ) ( 3 ), please provide proof of signature giving the the approval to pull my credit report, run my credit report, or do any kind of business.

If you can not verify the debt, please remove this off my account for the THIRD TIME!!!

According to FRCA section 605 ( c ) you are in error by even updating this account! I am disputing all inaccuracies including my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am a victim of human debt XXXX, which falls under XXXX  according to XXXX-Debt Final rules1002, 142 ( b ) ( 4 ) -5 -- 1002142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within >>>>>>4 BUSINESS DAYS<<<<<<<<<pursuant to 605C of the Fair Reporting Credit Act. I am a victim of XXXX XXXX of debt bondange and would like for all listed accounts to be blocked and removed from Equifax. XXXX XXXX XXXX XXXX XXXX {$1300.00} According to the FCRA, specifically : 1. **Section 605B** : Requires the deletion of information resulting from identity theft. 2. **Section 611** : Provides the right to dispute information in my credit file. 3. **Section 623** : Requires that furnishers of information to credit reporting agencies ensure the accuracy and integrity of the information provided. 4. 15 USC 1681 Section 602 states I have a right to privacy. 5. **15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions. 6. 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to Despite my previous attempts to resolve this issue with both the creditor and your agency, the inaccuracies remain on my report. In addition, please note that if this matter is not resolved promptly, I will be compelled to escalate my complaint to the Attorney General 's office. This step is necessary due to the multiple failed attempts to address this matter through the proper channels. I will be waiting for 30 days before I escalate this matter any further ( FRCA section 611 ( A ) ( 1 ) .According to FRCA Section 604 ( A ) ( 3 ), please provide proof of signature giving the the approval to pull my credit report, run my credit report, or do any kind of business. If you can not verify the debt, please remove this off my account for the THIRD TIME!!! According to FRCA section 605 ( c ) you are in error by even updating this account! I am disputing all inaccuracies including my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am a victim of human debt XXXX, which falls under XXXX  according to XXXX-Debt Final rules1002, 142 ( b ) ( 4 ) -5 -- 1002142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within >>>>>>4 BUSINESS DAYS<<<<<<<<<pursuant to 605C of the Fair Reporting Credit Act. I am a victim of XXXX XXXX of debt bondange and would like for all listed accounts to be blocked and removed from Equifax. XXXX XXXX XXXX XXXX XXXX {$1300.00} According to the FCRA, specifically : 1. **Section 605B** : Requires the deletion of information resulting from identity theft. 2. **Section 611** : Provides the right to dispute information in my credit file. 3. **Section 623** : Requires that furnishers of information to credit reporting agencies ensure the accuracy and integrity of the information provided. 4. 15 USC 1681 Section 602 states I have a right to privacy. 5. **15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions. 6. 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to Despite my previous attempts to resolve this issue with both the creditor and your agency, the inaccuracies remain on my report. In addition, please note that if this matter is not resolved promptly, I will be compelled to escalate my complaint to the Attorney General 's office. This step is necessary due to the multiple failed attempts to address this matter through the proper channels. I will be waiting for 30 days before I escalate this matter any further ( FRCA section 611 ( A ) ( 1 ) .According to FRCA Section 604 ( A ) ( 3 ), please provide proof of signature giving the the approval to pull my credit report, run my credit report, or do any kind of business. If you can not verify the debt, please remove this off my account for the THIRD TIME!!! According to FRCA section 605 ( c ) you are in error by even updating this account! I am disputing all inaccuracies including my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays initially committed to resolving the issue of credit reporting in 30 days, they then shifted to 60 days. It has now been over 60 days and the action they committed to is still not completed. I have asked for updates and status via email but received none.

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 2024-08-10 00:00:00
Product: Credit reporting 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:
The details of the fraudulent account is as follows : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase bank closed my account without informing me. Denied me access to my account. Would give me a new bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Incident : Undelivered funds from a cashed 401 ( k ) check Customer : XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX Details : * On XX/XX/XXXX, i cashed a 401 ( k ) check for {$9600.00} at PNC Bank ( XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX ). 
* i was informed of a 90-day hold on the funds. 
* On XX/XX/XXXX, i went to PNC and was told the money was sent back to XXXX XXXX the issuer of the 401 ( k ) check. 
* On XX/XX/XXXX, i contacted XXXX XXXX and was informed the check was cashed on XX/XX/XXXX. 
* Due to the undelivered funds, my car was repossessed on XX/XX/XXXX. 
Im unable to access the {$9600.00} from my cashed 401 ( k ) check. 
* The lack of funds led to the repossession of my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Had identity theft, along with proof of ID theft and proper filed government filings no charge offs were removed from all 3 credit bureau. XXXX Transunion and XXXX!!! There are 3 chare-off accounts that were considered fraud, XXXX XXXXXXXX XXXX XXXX  accounts and XXXX XXXX  XXXX account. Those 3 accounts were charged off. My identity theft reports were not recognized and honored by these 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 non-monetary relief