vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. These names are not suppose to be on my credit report : XXXX XXXX XXXX  Law 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 explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
My credit card was used for multiple purchases, at {$50.00} a time until that person has hit my max. They have determined that the charges are fraudulent but it takes times to correct. In the meantime it got reported to the credit bureau that I am not paying my bill. But it was fraudulent use of my credit card and they said they would fix it. I need this removed from my credit report please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with a fair credit reporting act [ XXXX XXXX  # XXXX and XXXX and XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. U

nder 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation
State: NC

Complaint narrative:
I signed up for an Albert account on XX/XX/XXXX using a referral link. I received a {$500.00} bonus on XX/XX/XXXX per the bonus terms. The terms were to receive a direct deposit every 30 days for 90 days as well as spend {$100.00} on the debit card every 30 days. 

I referred my wife for the same {$500.00} bonus on XX/XX/XXXX after signing up, and have provided Albert with the sign up link used by her. The link is : https : //app.albrt.co/YHrnLvPrfpb. 

She has completed all of the requirements of the original terms and has not received her bonus. I have also not received my bonus per the offer terms. 

XX/XX/XXXX : My wife contacted Albert XX/XX/XXXX : They replied to my wife that there is no evidence of a referral link being used and to have the person who referred her to contact them. 

XX/XX/XXXX : I contacted Albert, they said they will look into it and thank you for the patience. The agents seem to be different each time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
In XXXX  of XXXX my mortgage company XXXX stop accepting my payments which were sent on a regular basis then they proceeded with a false accusation of non-payment to create a foreclosure scenario only to discover that the payments I had made have been cashed but returned to me as if they were returning my money evidence will follow to this effect. Wire fraud may come into play because I use money orders they return the money orders to me with the letter stating we are returning your money when checked we found that the money orders have been cash but the money was not accredited to any account that I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In accordance with a fair credit reporting act [ XXXX XXXX # XXXX and XXXX and XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A 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 explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I was approved for a trial modification. I payed XXXX payments and it made it permanent. I sent my forth payment and it was sent back to me.I was promised loan modification documents after the trial XXXX days and now its been 60 days..I need 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 explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My wife was trying to set up our new XXXX XXXX, when trying to set up XXXXXXXX XXXX XXXX she entered something wrong and a phone number popped up to call. She called it and the scammers acted like they were XXXX customer service and asked for her debit card info to verify it was our account. They said no money would be charged but almost instantly they charged the account {$200.00}. I recognized this was a scam and cancelled her card, they tried to charge again later that day but since the card was cancelled it did not work. I disputed the first charge with my bank the same day but they said we gave them the card number so they can do nothing about it and we lost {$200.00}. This was on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: VA

Complaint narrative:
There are XXXX addresses listed on my credit report that have never belonged to me. 

In XXXX my birth certificate, social security card, and ID had been stolen. There are XXXX addresses, XXXX in XXXX and XXXX in XXXX that have never belonged to me. 

There are also XXXX addresses, XXXX, XXXX, and XXXX that do not belong to me as I was in jail at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I had a gap visa account with synchrony bank. I had received a call saying there my be fraudulent charges on my account and a letter saying my address had been changed. This was on XXXX. I called to say that I had not made any change of address and that there were fraudulent charges on my account. They would not change my address back to the correct one because they said security information did not match ( my address hasnt changed in 15 years ). They also told me that I needed a statement to dispute charges. I had called three times to dispute the charges. The statements were sent to the new address, so I had nothing. After my bill was past due the company called and changed my address back to what it should have been without any security information. I finally received a statement on XX/XX/XXXX. I called synchrony about the charges, the charges total XXXX. On XX/XX/XXXX I called and spoke to XXXX who said that a fraud claim would be started and I would not be responsible for those charges. I called back on XX/XX/XXXX to check the status of the claim and they said they had no information on a claim. I was then transferred to XXXX in the fraud department who said that a claim was started and I should get a letter with the outcome in 90 days. I called back on XXXX and the charges remained on my account. I then sent a letter to the company explaining my situation. I called back on XX/XX/XXXX and spoke with XXXX who told me that within 60 days I should have a letter on charges. I have not received any letter. Synchrony bank has transferred that portfolio to XXXX now. I was sent a statement from XXXX for the amount. I called them and they said due to the time frame they could not do anything with the charges. The lady from XXXX joined me in a call to Synchrony to try to resolve the issue but Synchrony said there was nothing they could do about it. They have no record of my account because all information was given to XXXX.Please help me. I did continue to pay off the charges I had made, because I didnt want it to hurt my credit. Thank you In the attached files, those charges with marks beside them are ones I did not make. The address on the statement is also not 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 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brown’s New Credit Bureau Inc.
State: MD

Complaint narrative:
To Whom it may concern, Brown 's Collection service has not validated or verified any thing with regards to the debt be allegedly owed by my person to their company. The proof needed for this particular debt is the blue ink signature contract that I signed with Brown 's Collection Service stating that I, XXXX XXXX, agreed to this debt, agreed for the adverse affect of Brown 's Collection service actions as they reported a debt that Brown 's Collection Service bought and chose to pursue me under their own volition. The debt is legally owned by Brown 's Collection service and their claim or right to pursue me is null in void due to various acts and laws protecting consumers from these particular types of practices. If the debt and the reporting ceases and desist, I will not pursue legal action. If the collection activity persist I will be forced to legally and lawfully protect myself by pursuing a civil law suit for defamation of character, and various violations to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I'm having a hard time getting bofa to replace my edd funds which were stolen from me I applied for edd back in XX/XX/2020 and I never heard from them again so I thought I was not approved well come to find out someone stole and activated my debit card out of my mailbox they took over my account and now I keep having my claim denied and it's says reason for denial is there is no posting errors whatever that means please help I'm really going thru alot with them its been months now back and forth thank you for your 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 explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
On XXXX XXXX I received a loan for a home I was Buying. Upon applying for the loan I told the processor that I was going to immediately pay the mortgage down buy putting a large sum of money and was told that that was no problem, that they would recast my loan and that would lower my payment. The Monthly payment is {$1500.00} whish is a sizable amount for me. Less than 30 days later I payed {$90000.00} to bring my loan to XXXX Approximately. 
I notice my loan had not been recast so I called them and was told that there was a {$250.00} recast fee that was never disclosed to me. So after fighting with them I paid the {$250.00} recast fee to get the payment down. Upon checking online again I see that the {$250.00} was put towards my Monthly payment so I call them again. I am told that it takes 2 Months to process the recast to get my payment reassessed. Again not disclosed at the time of the of the payment of the {$250.00} fee. I am not refinancing just wanting my monthly payment to reflect the balance {$34000.00} over 10 years and feel that 2 months of the high monthly payments is long time frame to recalculate the numbers. The fee and lengthy wait was never disclosed to me. I feel this is an unscrupulous practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
My mortgage was sold from XXXX Mortgage on XX/XX/22 to Freedom Mortgage. I was in a COVID-19 forebearance at the time. I accepted the COVID-19 modification and had to submit twice because it was stated they couldn't read the notary signature. 

Freedom Mortgage has had my signed paperwork for over 30 days and they haven't processed it yet. I have also made a payment of {$4000.00} to be applied to the post COVID payments so that I had a couple of months to breathe. I was sent a receipt and was reassured this would happen. 

I have been receiving threatening letters every other day from Freedom Mortgage stating that I am in default and I am NOT. I have to call Freedom Mortgage every week to reexplain what is happening and then speaking to Loss Mitigation and they assure me that they are working on it. 

I have never been treated this way before and I am now worried that I am not protected because nobody knows that is going on and I want my money applied to my account. I need help with this situation ASAP. This has been going on since XX/XX/22

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX, XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX and XXXX Inquiry date XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 B States a consumer reporting agency can not furnish and 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 2022-07-18 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX 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 XXXX cant provide to my XXXX year old daughter 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
Consumer complaint received 2022-07-18 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 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 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 daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: DataMax Corporation
State: NC

Complaint narrative:
Datamax is reporting a charge from XXXX XXXX in the amount XXXX.information not valid

Company response to consumer: Closed with explanation