vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Us Bank - Is extremely ineffecient in covid19 mortgage modification/ forebearance plan servicing. In XXXX of XXXX I believe I was forced to pay instead of us bank having fair forebearance options. This caused a increased hardship rather than true payment workout plans. As a result Of COVID-19 I applied for a mortgage for forbearance month by month. Multiple times I contacted U.S. Bank to continue the relationship and in efforts to prevent default an excess of hardship. US Bank continue to not provide upfront information and allow consumers to make decisions including being denied to streamline process multiple times. When I knew I could afford my home and make payments. But US Bank instead made me do a complete request for mortgage assistance multiple times and as of this day of XX/XX/XXXX US Bank multiple times sent paperwork to the wrong address and then canceled the forbearance plan and multiple times and said that they will resolve the issue and they still have not. I have made a good attempt to make payments to US Bank for my home in US Bank home mortgage will not except my monies. This is causing an undue stressful hardship including Internet ability to really be a responsible borrower. Putting undue stress and hardship on me. I have had to constantly reach out to US Bank by phone and spent hours on the phone hours not minutes hoursI 've gotten a different answer each time and not a consistent answer I hope all my phone calls are recorded and can be reviewedAs of this date I had signed paperwork that was sent to me XX/XX/XXXX and Sent on time to US Bank with an acceptance by US Bank in Kentucky on XX/XX/XXXX The papers were received and then on XX/XX/XXXX they revoked or canceled the modification. As a result they had stated clearly by phone because I did not make my XXXX XXXX and XXXX payment. I was unable to make XXXX XXXX and XXXXXXXX XXXX payment because US Bank could not get the paperwork sent to the correct mailing address. They continue to send it to the home address knowing by multiple phone calls that I was not home due to working at a different location and needed to provide a mailing address. At this time US Bank is still not modified or completed the service in process will not except my monies. and it's causing me to be a extremely stressed borrower. I believe that my streamlined process was completely mishandled. I believe that I was provided in accurate access to affordable housing having an FHA loan and I believe that US banks and tents or not to provide a streamlined process. It's apparent that either they're just making it up on the fly and agents are just answering things just because but I am filingA complaint because I believe that my home will be put in the foreclosure for unnecessary reasons

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 2022-01-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was taking advantage of after several of practices were broken under FCRA by your company. You have hurt my ability to obtain credit. I can get a sba loan due to practice being broken by your company under the FCRA.

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 2022-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was taking advantage of after several of practices were broken under FCRA by your company. You have hurt my ability to obtain credit. I can get a sba loan due to practice being broken by your company under the FCRA.

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 2022-01-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Got 5 hard inquiries I dont recognize, from XXXX XXXX XXXX on XX/XX/XXXX, 3 from BK of Amer on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX And XXXX XXXX on XX/XX/XXXXXXXX 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 2022-01-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to an inaccurate account on my consumer report. It has been well over 60 days and I haven't received any investigation results.

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 2022-01-01 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: DISCOVER BANK
State: AZ

Complaint narrative:
Got 5 hard inquiries I dont recognize, from Discover financial SER on XX/XX/XXXX, 3 from XXXX XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX And XXXXXXXX XXXX on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to an inaccurate account on my consumer report. It has been well over 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This issue has to do with the way that Bank of America does their account linking in their Bill Pay part of their website. In certain cases it looks like account links in the Bill Pay Center can be removed without warning. It might result in overdue fees, interest on balances and negative impacts to credit score. 



I used to have a Bank of America checking account in like XXXX but closed that but kept using a Bank of America credit card. I paid the bills for that credit card using a checking account at another bank, call it Bank1. Fast forward to like summer of XXXX and I opened a new checking account at another bank, call it Bank2. I verified and linked up my Bank of America Bill Pay to autopay the Bank of America credit card from Bank2 for the last 2 months. 
I re-opened a checking account with Bank of America during the last week of XXXX and my previously linked checking account from Bank2 has disappeared from the Bank of America bill pay center. For some reason, re-opening a checking account at Bank of America reverted the banks I had set up in Bill Pay to what is was in XXXX. 



In my Bill pay center it clearly shows that the autopay from Bank2 was set up before because it says the autopay is still scheduled but an unverified account. And I don't see a way to set up a payment from a bank account that is not linked to my Bank of America Bill Pay.

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 2022-01-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to an inaccurate Account on my Consumer report. It has been well over 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: GA

Complaint narrative:
For several months, i've relentlessly tried to get inaccuracies removed from my credit so that my children and i would have access to the basic necessities. Ive had some success as evidenced by the exhibits attached ; however the deliberate consumer abuse unfortunately continues. These companies ' negligence has caused such harm and distress to myself and my 3 minor children. There are Acts put in place to protect the consumer ; and willingly and knowingly violating the laws have monetary, civil, and sometimes even criminal liability. XXXX XXXX XXXX, after failing to ADEQUATELY and LAWFULLY validate any alleged debt, slightly followed protocol by the removal of this inaccurate and derogatory account from the XXXX consumer credit report. Sadly, they've knowingly committed fraud and inflicted harm by continuing to report this inaccurate account ( National Credit System Acct # XXXX ) to EXPERIAN as " verified '' ; all while essentially admitting to the inaccuracy and fraud by the deletion from the other previously mentioned Bureau ( XXXX ). Please help me to understand how this account can be verified with one Bureau and be deleted/removed by another. Are other Bureaus, such as XXXX, held to a higher level of integrity and accountability than EXPERIAN? Why is Experian willing to assist these fraudulent companies in harming the consumer? What is the use of the Fair Credit Reporting Act or the Fair Debt Collection Practices Act, if it is not abided by ALL in commerce? What is the future of commerce if consumers are purposely oppressed by the entities designated to protect them? What is the future of commerce when criminals get to hide behind fictitious entities and bleed the natural person of their God given rights. As I type this complaint, one of many, I literally have 3 weeks to vacate an extended vacation home but am unable to, due to the inaccuracies on the consumer report causing the adverse action during the application process with leasing companies. This inaccuracy and fraudulent, unruly behavior on the behalf of the companies attached to this complaint ; has done far more than damage my credit worthiness, or my slander my reputation in commerce- these excessive and perpetual violations have ultimately infringed on my life, my liberty, and my ability to obtain even a rental property to call home for more than a couple of months. I need these inaccuracies PERMANENTLY and IMMEDIATELY deleted and blocked from ALL consumer credit reporting companies and bureaus, this includes XXXX, XXXX and all other adjacent reporting companies which Experian furnishes with this inaccurate information.

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 2022-01-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This company is in violation of the Cares Act 15 USC 9051 I've sent a letter this ask Please remove all late payments and change the payment status to current because of the Cares certified mail XX/XX/2021, and the company has yet to respond nor updated the the report. Here It is 62 days later and no update. No even a response to my letter. Which is completely unacceptable. Which is also in violation of 15 USC 1681b

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 2022-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have contacted your company CFPB countless of times for help with trans union, XXXX and XXXX reporting incorrect inaccurate information on my credit reports. I thought CFPB did the job of enforcing fair credit reporting. I could not understand why recently each bureau seems too have ignored my disputes. I noticed that CFPB has blocked my login attempts and denying a password reset. Which makes me wonder who the CFPB is truly working for. All the evidence I have been providing is obviously EXPOSING the truth and its being silenced by the CFPB. I noticed a couple of strange incidents behind a couple of my cases however I did not complain about that. CFPB isnt engaging in fair practices and this is why these companies arent following rules and laws and are engaging in lots of fraudulent credit reporting!

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 2022-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This company is in violation of the Cares Act 15 USC 9051 I've sent a letter this ask Please remove all late payments and change the payment status to current because of the Cares certified mail XX/XX/2021, and the company has yet to respond nor updated the the report. Here It is 62 days later and no update. No even a response to my letter. Which is completely unacceptable. Which is also in violation of 15 USC 1681b

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 2022-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
this company is in so many violation of my consumer rights is ridiculous starting with 16 USC C ( 1 ) ( 2 ) ( 3 ) ( refuse to pay debt ) a cease in desist order dated XX/XX/XXXX sent certified mail. This company is also in violation of 15 USC 1692D harassments, threating to harm my reputation, WHICH THEY HAVE by MARKING MY OPEN END CREDIT ACCOUNT IN DELINQUITE AND DROP MY CREDIT SCORE XXXX POINTS, violation 15 USC 1681A ( 2 ) ( B ) any transaction approved by my credit card ( social security number ) should not be on my report so who gave you written consist to furnish my information 15 USC 6802 ( 1 ) ( A ) ( B ) ( C ) institutions can not share information to third parties without my consist 15 USC 1681B. Which was never disclosed to me, I deem this information private VIOLATION 15 USC 1692F -unfair credit practices. I have sent out debt validation XX/XX/XXXX which has not been responded to as well the as deceptive forms made to look like I owe a debt which is also a violation 15 USC 1692j ,15 usc 1666 ( b ) billing error showing no such things as bills just statements of credit transaction .This company is bulling me and stressing me out because of these allegations and there harassing 's tactics and it must stop. 15USC 1692K {$1000.00} PER VIOLATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax removed an authorized user tradeline from my credit report when it wasnt supposed to be removed & it dropped my credit score XXXX points. If this isnt fixed, I will be contacting my attorney because it shouldve never been touched. I have worked to get my credit score up & dont need sudden drops in my score especially when Im trying to buy a house in the next few months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
For several months, i've relentlessly tried to get inaccuracies removed from my credit so that my children and i would have access to the basic necessities. Ive had some success as evidenced by the exhibits attached ; however the deliberate consumer abuse unfortunately continues. These companies ' negligence has caused such harm and distress to myself and my XXXX minor children. There are Acts put in place to protect the consumer ; and willingly and knowingly violating the laws have monetary, civil, and sometimes even criminal liability. National Credit Systems, after failing to ADEQUATELY and LAWFULLY validate any alleged debt, slightly followed protocol by the removal of this inaccurate and derogatory account from the XXXX consumer credit report. Sadly, they've knowingly committed fraud and inflicted harm by continuing to report this inaccurate account ( National Credit System Acct # XXXX ) to XXXX as " verified '' ; all while essentially admitting to the inaccuracy and fraud by the deletion from the other previously mentioned Bureau ( XXXX ). Please help me to understand how this account can be verified with one Bureau and be deleted/removed by another. Are other Bureaus, such as XXXX, held to a higher level of integrity and accountability than XXXX? Why is XXXX willing to assist these fraudulent companies in harming the consumer? What is the use of the Fair Credit Reporting Act or the Fair Debt Collection Practices Act, if it is not abided by ALL in commerce? What is the future of commerce if consumers are purposely oppressed by the entities designated to protect them? What is the future of commerce when criminals get to hide behind fictitious entities and bleed the natural person of their XXXX given rights. As I type this complaint, one of many, I literally have XXXX weeks to vacate an extended vacation home but am unable to, due to the inaccuracies on the consumer report causing the adverse action during the application process with leasing companies. This inaccuracy and fraudulent, unruly behavior on the behalf of the companies attached to this complaint ; has done far more than damage my credit worthiness, or my slander my reputation in commerce- these excessive and perpetual violations have ultimately infringed on my life, my liberty, and my ability to obtain even a rental property to call home for more than a couple of months. I need these inaccuracies PERMANENTLY and IMMEDIATELY deleted and blocked from ALL consumer credit reporting companies and bureaus, this includes XXXX, Corelogic and all other adjacent reporting companies which XXXX furnishes with this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
equifax totaly messed up my vredit now repotying a 60 60 90 90 120 fays late on my reprt which is totally wrong switch it back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
I refinance my house and decided to pay off a few high interest loans one of them was the company XXXX that I used during my divorce in 2020. The mortgage company or perhaps the escrow company or maybe the title company admitted to a mistake on my payoff. They paid off my credit card with XXXX instead. It took me a few days to discover the error. Once I discovered the error everyone was off for the holiday. So I took additional time to get a response. They said their hands were tied and they could not move the money back from XXXX to XXXX  and admitted their mistake. I had to get a cash out check that cost me {$390.00} to send to XXXX  to pay off them. Now my credit card is maxed out and Im going to be charged 10.9 % interest and it will take me 17 years and over {$15000.00} in interest to pay off their mistake. I spoke with them several times over email and telephone. They sent me a small check of {$260.00} to cover my expenses but the expenses are now {$300.00} more not to mention the {$17000.00} it will cost me to pay this off as it shouldve been paid off when I refinance my house through Veterans United.

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 2022-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, XXXX XXXX, Equifax, and XXXX. The information also shows up on my profile in two of the credit monitoring services, XXXX XXXX  and XXXX  XXXX.

Company response to consumer: Closed with explanation