vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
BSI Financial Services foreclosed and sold our house at auction, while we were in a lawsuit against the builder because of a mold problem in the home. BSI sold the house and now the new owners are selling the house and neither of them are disclosing that the house has mold issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My name is XXXX XXXX ; I'm a XXXX XXXX XXXX female diagnosed with XXXX, I have a special need son. On XXXX XXXX I mistakenly made double payment for my credit card ending XXXX, the first payment was {$850.00} and the second payment was {$780.00} because when I made the first the payment the bank did not clear out my statement bill right the way even though they withdrew the payment from my checking account right the way. So I called right the way and several time the BOA customer service to get my over payment back to my checking account because there is no money left on my checking account, unfortunately they refused stating that I have to wait XXXX, I run at night to the bank and deposit {$200.00} fear of overdraft, I did not stop calling, begging asking BOA agents for my money back to pay for my medicine for over a weeks constantly many times a day. I was traumatized mentally physically and emotionally which cause my pain get worsen. 
It took more than 3 weeks for BOA to give me my money back ; I got refunded on XXXX XXXX. 
Not only that BOA never gave me my reword money back from 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 monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Torriere Holdings INC
State: OR

Complaint narrative:
XXXX SRS has contacted me and my family members by phone and text often before XXXX XXXX and has refused to cease communication by phone. They have made contact more than 3 times per day. I have never done business with this company and do not owe them a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
TO WHOM IT MAY CONCERN : I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Accounts that are in violation include : Account Name : THE HUNTINGTON NATL BA Account Number : XXXX Account Name : XXXX Account Number : XXXX Under 15 USC 1666B this is a billing error, this account was always paid as agreed on time. This is an error and this account in violation. 

By law, transactions are not to be reported on a consumers credit report. Therefore, companies that report such transactions such as late payments are also in violation of the FCRA. 

Please update payment statuses accordingly, otherwise please delete this fraudulent account and fraudulent activity from my consumer report immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC
State: AL

Complaint narrative:
-- -- -Original Message -- -- - From : Myself Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX Cc : My Attorney Subject : Emailing : XXXX Dispute - XXXX XXXX XXXX XXXX To whom it may concern : I just spoke to XXXX XXXX XXXX XXXXXXXX XXXX XXXX today regarding the claim by XXXX that I owe them {$190.00}. I attempted to talk to them without any resolution so I sent the attached bill to XXXX XXXX and they agreed that I should not have been charged and issued a credit. The account was closed on XX/XX/XXXX and XXXX illegally kept my credit card number and made this charge after the account was closed. As you can see the bill was for service from XX/XX/XXXX through XX/XX/XXXX. I should probably just go ahead and get a lawyer and sue them but I don't want to waste time dealing with anything this minor. However, please let XXXX know that if I hear anything else regarding this issue the next response will be from my attorney. You can check my credit report and you will not find where I have ever failed to pay anything. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-17 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I deposited XXXX XXXX at the Golden ATM it the XXXXXXXX XXXX XXXXXXXX totaling {$410.00} on XX/XX/2023. The checks were as follow. 

{$400.00} {$0.00} {$1.00} {$12.00} When I checked my account a XXXX later it showed that each check was individually withdrawn due to poor image quality. I have contacted the bank via phone and was told it could take up to XXXX days to resolve. I later received a letter telling me there was an issue with my deposit but required no action. I made an inquiry at the bank and was told it could take XXXX days. I informed them that it had already been XXXX  days. The teller said that they should have returned the checks to me. it has currently been XXXX  days with no resolve or access to my funds and they still have not returned the checks to me as I was told.

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 2023-07-17 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: LA

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

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 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth Third Bank will not stop emailing me bill reminders - multiple monthly. 
I closed my parents accounts ( deceased ) and the estate account around 2 years ago. I have called multiple times. I have written multiple times. I have contacted them on XXXX  multiple times. They claim it will stop but never does. It causes me mental distress every time I receive the emails. I just want them to stop. The bill reminders come in my mothers name, she has been gone since 2016. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I reached out to the ombudsman department requesting a review of my account. I received a call on XX/XX/2023 wherein the offered me the following : New principal balance : {$370000.00} Interest : 5.994 % Term in years : 23 years I followed up on XX/XX/2023. I received a secured email letter stating the formal offer/modification is forthcoming on XX/XX/2023. 

I followed up again on XX/XX/2023 and received a letter informing me the offer was not approved. 

I have a Motion for Summary Judgment scheduled for XX/XX/2023. I did not retain counsel to represent me because I believed we reached a settlement. If I did not follow up I would not have learned that the formal modification was not coming. 

Now I am not prepared to argue against the Motion for Summary Judgment. This appears to be more misconduct by the lenders. 

Wells Fargo is the lender and XXXX is now the servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have a Barclays credit card account for a Frontier Airlines card. I checked my credit score on XXXX XXXX about a month ago ( XX/XX/2023 ), and saw that my score went down as there was a new line of credit opened. As I investigated further, I saw that there was {$970.00} in charges to this newly opened Barclays Banana Republic credit card account. I was very confused as I know I only have one Barclays account and I have never shopped at Banana Republic. I immediately called Barclays ( XX/XX/2023 ), reported it as fraud, had an investigation opened and the account closed. I also made an account on IdentityTheft.gov and went through their " Recovery Plan '' which suggested I place a credit freeze and fraud alert on my credit reports as well as an extended fraud alert, which I did.

Today ( XX/XX/2023 ) I checked my credit score again and the {$970.00} in charges were back on my report and the remark on my account now stated " Account previously in dispute - Now resolved by data furnisher ''. Again, I immediately called the Barclays fraud department. They said that their investigation determined it couldn't be fraud as you have to present an ID to get the Banana Republic card. I demanded my account be re-investigated for fraud and told them I will be sending a letter of explanation as well as submitting a complaint to CFPB.

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 2023-07-17 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have reached out to the creditors for the removal of these fraudulent inquiries on my report and haven't had anything but empty promises to remove. I have also sent a previous FTC report over to XXXX and they suggested to do an updated report to include these inquiries specifically. So I would like to report and remove all inquiries dated XX/XX/2021 ( SYNCBXXXX XXXX to XXXX XXXX XXXX ( SYNC/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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I found out that my identity was stolen and attempts to open financial accounts using my information were denied. It happened again on XX/XX/XXXX. On XX/XX/XXXX, I found out my information was included in the Equifax breach of XXXX. I was never notified of this. I requested identity protection assistance and was denied. I am filing this complaint because Equifax did not notify me of this breach in accordance with the class action lawsuit and now I have to pay for identity protection that will not be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: MI

Complaint narrative:
TO WHOM IT MAY CONCERN : I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Accounts that are in violation include : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Under 15 USC 1666B this is a billing error, this account was always paid as agreed on time. This is an error and this account in violation. 

By law, transactions are not to be reported on a consumers credit report. Therefore, companies that report such transactions such as late payments are also in violation of the FCRA. 

Please update payment statuses accordingly, otherwise please delete this fraudulent account and fraudulent activity from my consumer report immediately. 

Thank you, 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 2023-07-17 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below 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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-07-17 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On Thursday XXXX XXXX a message was left on my cell phone. It stated that my husband needed to respond. I called the number that they left XXXX on Friday and spoke to a woman who identified herself as a lawyer by the name of XXXX XXXX. She stated that she was representing Capital One and that we owed {$3300.00}. She knew a lot about us, including our names, my phone number, where my husband used to work, our address and the last 4 digits of our SS # s. She was very believable, but we had no knowledge of this debt. She agreed to take a reduced amount if I paid it immediately. She sent me a form that made me suspicious, supposedly originating in XXXX, Fl when she was calling me from XXXX, IL. I told her I would sign on Monday. I contacted Capital One to make sure there was no debt, they told the card had been paid off years ago and advised me to contact XXXX XXXX XXXX  which directed me here.

Company response to consumer: Closed with explanation