vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
As of or around XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX all reported XXXX XXXX XXXX  Account collections as closed, Charged off, and Deteted from credit report. 

Nevertheless, on XX/XX/XXXX XXXX the same XXXX XXXX XXXX  Account {$930.00}. REAPPEARED, on credit report by collection agency LVNV FUNDING LLC, showing inaccurate information, account as OPEN, with opening date for XXXX, XXXX, missed payment history for 1 month affecting my eligibility to move forward with my credit repair in which I pay hefty too bring to good/ excellent standing. 
All information had been disputed with all Bureaus who informed me of the ACCOUNT CHARGE OFF & DELETION IN WRITING. 
This is against the law for collection agencies to not only report false information, inaccurate information, inaccurate Missed payments, fraudulent information when buying these accounts affecting someones life. But reopening Charged Off, Deteted Accounts, with Misinformed missed payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank. I notified them on XX/XX/22 that I was moving and gave them my new address. They froze my account the first time when I tried to charge to get a XXXXXXXX alarm system put in my new home. They froze my account for a SECOND time when I tried to charge a riding mower from XXXX XXXX ..... BOTH times I had to go through a ridiculous XXXX step procedure which included taking a XXXX second video of my face and photo coping both sides of my drivers license then they sent me a long verification code. Today I charged XXXX dollars at XXXX XXXX, then went to XXXX XXXX where they froze my account for a THIRD time, this time their fraud department told me I had to wait for a letter from them with some sort of code and then call them back, probably to do the 5 step procedure for the third time. Their fraud department which I believe the call center is not located in the United States does not understand and are too XXXX to understand the correct procedures to look up and see when someone has moved and has notified them in advance that they were moving.

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 2022-09-18 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to : 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.

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information.

They did not do this!!

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I ca not speak to a bak of America representative about my account and it has been over 3 years, they refuse to talk to me about my acct. And is violating federal law.

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 2022-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
updated information since BoA attorneys will not send it to them. This is pleading with exhibits filed into case XXXX hearing set for XX/XX/2022 to vacate the summary judgment and argued case must be dismissed.

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 2022-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: UT

Complaint narrative:
Multiple attempts were made to resolve and reason with Upgrade , IncXXXX, most recently on XX/XX/22. They refuse to even respond. 

1 ) Company intentionally provided false information to try to induce a loan. I would have said it may have been more of an inadvertent error. Unfortunately, where the company has utter refused to respond to the issue, take any responsibility, or escalate as requested numerous times, it strongly appears the false information was intentionally given. 

Specifically, the company stated that I could add a memo line or notation on the purpose of the loan for loan paperwork as a way to get me to proceed with applying for a personal loan. Later, when moving to final stages, something seemed amiss, and the company finally admitted they were not going to allow a memo line. I very narrowly avoided taking out a loan that was falsely induced. 

Unfortunately, this caused substantial damage to me. There was no longer time for me to find an alternative provider in time for a deadline. I tried tried with another provider, but they took too long for me to proceed. This caused me to miss a reimbursement opportunity for the loan, and it cost me around {$4000.00} in missed reimbursement opportunity and around {$3500.00} paying for something myself because Upgrade, Inc. lied and such was discovered too late for me to take part in a reimbursement opportunity through my employer. 

2 ) Upgrade , Inc. has repeatedly refused to close my account. There are no active loans etc. They do not have the right to refuse this. And it compromises my personal security to have an account remain open, tied to my email address. They ridiculously sent repeated auto-responses demanding I call them. I gave more than one request/demand in writing. That was sufficient. 

3 ) Upgrade , Inc. refuses to address issues, even fully read requests, or escalate issues. Now, they don't reply and just close support tickets. 

4 ) They continue accessing my credit file without having right or legitimate business interest. They refuse to stop a product to show consumers some type of credit score. They refuse to even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage ( loan officer XXXX XXXX ), formerly Quicken Mortgage, was the victim of likely mortgage fraud resulting in the theft of my equity interest in my home. Without my knowledge, my father in law sold my husband our home, declaring my husband an " unmarried man '' according to the Deed of Trust dated XX/XX/XXXX. My husband then took out a loan with XXXX XXXX to buy our house ; he declared on the loan documents that he was single. As a result of my husband 's intentional misrepresentations, the deed to our home only lists my husband 's name, lists him as an unmarried man, and lists him as the sole owner of the property. My spousal property rights have been denied. 

I spoke to Rocket Mortgage about the matter around XX/XX/XXXX, however, they were unapologetic and they were unwilling to honor the public fiduciary duties by reporting the fraudulent loan to the FBI for investigation and prosecution. 

I am writing to you to complain about their lack of interest in protecting consumers from having their assets swindled ; the public should carefully consider doing business with this company. 

Please contact me for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2022 we had {$20000.00} stolen when Check # XXXX The Huntington National Bank for {$2500.00} payable to XXXX and XXXX was stolen and altered to {$20000.00} by XXXX XXXX XXXX endorsed by XXXX and cashed by XXXX XXXXFiled police report at XXXX, Ohio Police Department XXXX # XXXX on XX/XX/2022. 
Filed fraud report with Huntington Bath, Ohio branch on XX/XX/2022. 
Wrote a letter of complaint to XXXX XXXX, Regional President of The Huntington National Bank, XXXX, Ohio. 
Filed fraud report again with XXXX XXXX, Ohio on XX/XX/2022. 
Huntington filed an altered check claim with XXXXXXXX XXXX  on XX/XX/2022. 

Both bank fraud departments have received the documents, sometimes more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This is about the XXXX XXXX XXXX  initiated on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX With ( Navy Federal Credit Union ) executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any form information in any for.

The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX & XXXX ). 

According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information 1. Provided by a consumer to a financial institution.

2. Resulting from any information with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802.

Navy Federal Credit Union has still violated the provisions of FCRA ( Fair Credit Report Act ).

Under USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company ( Navy Federal Credit Union ) has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my Consumer Report ; 1. Late Payments 2. Charge off etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
n 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: FL

Complaint narrative:
n 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 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 2022-09-18 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: FL

Complaint narrative:
n 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 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 2022-09-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
This letter is a formal request to remove the following account including the business name address, and telephone number of any furnisher of information contained in connection with debt reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
During hurricane Sandy XXXX University promised an educational experience at their satellite campus in XXXX XXXX, NJ. The site is was regularly absent of employees. I was displaced due to hurricane Sandy and submitted withdrawals in a timely manner. XXXX owes the repayment of this debt because it doesnt belong to me. The institution did not do their due diligence and XXXX University is defrauding me with their inaccurate claims and its affecting my private life.

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 2022-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
n 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: FL

Complaint narrative:
n 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 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 2022-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I had a va loan through XXXX XXXX XXXX it was sold to carrington mortage and myself and other family members that are now making mortage payments carrington are being told all and any overpayments will not go towards principle only. 
They said they will not make any money serving the loan if they allowed us to make principle only overpayments. 
They told us we will still pay the all the interest even if we pay it off early Thanks Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've disputed the XXXX XXXX credit card Charge Off and balance for 2 years now with Experian and even shown evidence that it was paid in full back in 2020 through wage garnishment via XXXX. They haven't update or removed from my credit report even after the 10th dispute. This is impacting my FICO scores and under the fair credit reporting act, now illegal. Please help me resolve this matter.

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 2022-09-18 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: FL

Complaint narrative:
n 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 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 2022-09-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
On XX/XX/2022, I reached out to My great lakes my student loan servicer. On that day i requested all the payments I made during the student loan pause starting when the CARES ACT went into effect to be refunded/reversed as the Provision under the CARES ACT law. I was told the application would be submitted to the Back office were it would be processed and I should see my loan balances update in XXXX business days and receive my refunds within XXXX business days. I have Reached out numerous times to get an update on my situation and I'm told that my request is still " processing ''. I keep being given longer and longer time frames the last one I was told is that it could take up to XXXX business days to see any updates to my account. I really am in need of this money with Inflation at historic levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18 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: FL

Complaint narrative:
n 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 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 2022-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I got a statement about XXXX savings accounts from Capital One that I did not request. This statement is XXXX pages long. I did not request these accounts to be opened. The period covers XX/XX/XXXX - XX/XX/2022. Me cell phone is XXXX XXXX XXXX

Company response to consumer: Closed with explanation