vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Drees Company, Inc.
State: AL

Complaint narrative:
Hello, I am in the process of purchasing an inventory new home from XXXX XXXX XXXX in the XXXX, TX area. The XXXX website advertised a promotion offering {$25000.00} XXXX XXXX that could be used at my discretion however only with the XXXX preferred lender- XXXX XXXX. The same promotional advertisement also provided summary level details of a mortgage " buy down '' scenario where your first year interest rate would be XXXX XXXX below market, year XXXX XXXX XXXX below market then lock in at a fixed rate. 

Overall, the promotional offers seemed fair on the surface so I decided to move forward in the transaction. However, issues have now surfaced that are causing me conceXXXX XXXX XXXX XXXX XXXX XXXXte shopped purchasing points with one competing lender and found I could save {$4000.00} at closing. I suspect if I rate shopped more the savings could be higher, however, I am trapped with the preferred lender thus paying a higher rate. 

XXXX ) When I selected the home I was interested in, I was advised it would be completed in mid to late XXXX. On the morning I was to sign the purchase agreement the completion date shifted to " possibly into XXXX ''. Prior to signing I responded back to the Sales rep that impacts would need to be considered specifically the lock period. The Sales rep stated she would email the lender. It appears that communication never took place as I was never provided an answer. I assumed no impact. XXXX XXXX is now pressuring me to purchase a loan at a higher rate to extend the lock period which I don't agree with since I have no control at all over the rate of construction and simply in this economic environment can't spend another {$200.00} a month on the payment. 

XXXX ) Today I find out through research that the home builder XXXX and XXXX XXXX ( the lender ) appear to be the same company. This was never disclosed during the phase where I decided to use the XXXX preferred lender. I am concerned that XXXX and XXXX XXXX financially benefit from a delayed closing and are pushing me to purchase a longer rate lock and a more expensive mortgage. I am also unhappy that their preferred lender is not provided the most competitive rates. 

I expressed my concerns on a virtual meeting with my direct sales rep and her manager on Monday XX/XX/XXXX. My XXXX money of {$32000.00} was threatened when I stated that the financing piece of the transaction did not seem equitable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Portfolio Recovery Associates, LLC
State: MT

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES LLC I just wrote a complaint ( XXXX ) on this company. Submitted to the CFPB on XX/XX/XXXX Now I'll tell you again this account Is not mine. 

My name is XXXX XXXX. 

Please refer to the company response where the name is incorrect. Not me! Response from Portfolio Recovery was this.. " Portfolio Recovery Associates , LLC ( XXXX ) investigated your complaint and verified the XXXX account XXXX in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V , state and local law, and industry guidelines. XXXX is a " Debt Buyer '' ; XXXX purchases delinquent debt from creditors to whom such debt is owed and seeks to collect such debt from debtors who owe such debt. Business records provided to us by XXXX XXXX XXXX XXXX XXXX  XXXX ) reflect that on or about XX/XX/XXXX, XXXX  XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX XXXX '' This is not me! 

My name again is XXXX XXXX. 

They have been reporting someone else 's name onto my credit report. They need to be fined for years of hassle and headache and remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: MS

Complaint narrative:
Read the attached complaint document for the full description. Your company has dishonored this agreement by charging me in an excess of the maximum APR yield percentage allowed by the state of Mississippi. I have tried to contact and dispute this with your XXXX XXXX XXXX, XXXX and I have not received a response from your company yet. Your company has been reporting information to the consumer reporting agencies without my permission and violating the law about reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have requested for addresses on my reports to be removed that are not correct from all bureaus they have not been removed.

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 2022-10-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested for addresses on my reports to be removed that are not correct from all bureaus they have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I would like to inform you of a blatant case of negligence and gross mismanagement at Bank of America ( BOFA ) which has led to a fraudulent theft of {$15000.00} from my checking account. I wrote a check for the forementioned sum to the US Treasury as an estimated tax on XX/XX/XXXX and mailed it via the USPS to the IRS. Upon checking my online account on XXXX I noticed that the check was cashed on XX/XX/XXXX, but not by the XXXX Treasury but by a fraudster. My check was crudely and obviously doctored to place the bogus name in the payee line and the memo line which contained my SS #. Doubtless the check was deposited into a fraudulent account via an ATM or cell phone and obviously no sentient employee at BOFA looked at the check ( or its image ) to determine whether it was authentic or not and additionally BOFA appears not to possess competent image processing software useful for identifying blatant fraud. 

You would think that an obvious fraud such as this would be readily dealt with by BOFA by crediting my checking account immediately for {$15000.00} subsequent to my calling the fraud department at the bank on multiple occasions ( beginning on Oand also describing the fraud to a functionary at a branch of the bank. A reporting form was to be sent to me by email and or mail. I have received neither and was told that a BOFA investigation could take XXXX days. This is absurd because anyone could look at the check image and immediately see that it was forged. So not only is this bank incompetent and negligent in dealing with electronic transactions but it also creates obstacles to fairly dealing with customers in a timely fashion who have suffered losses occasioned by BOFA 's carelessness. I need to also know exactly when my account will be credited for the stolen {$15000.00}. I expect it to be immediate as any investigation needs to occur on the bank 's time and not mine. Secondly, I need to know how BOFA is going to ensure that electronic transactions are safely and adroitly handled. Certainly BOFA 's profits doubtless increase with fewer tellers and more ATM/phone transactions, but this cant be at the expense of blatant fraud against customers and totally inadequate customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am trying to buy a house and just checked my EXPERIAN account and found all these fraudulent account XXXX on my report that I have no knowledge of, XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Also there were several hard inquiries that I have no knowledge of which includes, 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 non-monetary relief
Consumer complaint received 2022-10-12 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: MI

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice is received.

In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: MI

Complaint narrative:
15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice is received.

In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance.

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 2022-10-12 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2022-10-12 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: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: LA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 2022-10-12 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: AL

Complaint narrative:
After several attempts to get this matter resolved, XXXX XXXX XXXX still has a collection on my credit report while they are not able to provide 1 ) A copy of the original application which includes my electronic signature 2 ) Full payment history from the original creditor 3 ) The original purchase agreement that shows that they legally own this alleged debt that provides the name and address of the original creditor. Since they can't provide these items, that is proof they can not legally collect this alleged debt. Secondly, XXXX XXXX XXXX is NOT licensed to collect debt in the state of Alabama. Section 604 A Section 2 of the FCRA states a consumer reporting agency can not furnish an account without my written instructions. I have at no time sent any reporting agency my written permission and they are not able to prove that I have. Section 15 U.S.C 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Received an email from Bank of America that a new checking account was opened. XXXX Banking Account with confirmation number XXXX. Account ends in XXXX. I did not open this account, someone immediately updated the email address and their fraud department is closed.

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 2022-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The inquiries listed below are fraudulent and I did not authorize them also attached is identity theft report. 

Equifax Fraudulent Inquiry XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 2022-10-12 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: CA

Complaint narrative:
Equifax is reporting collection activity on an account that is past its statue of limitations and is time barred from credit reporting. This is a violation of my rights under the FCRA. XXXX and XXXX XXXX both have already removed this account. Equifax needs to remove this account from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12 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: LA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX 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 explanation