vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
i was going thru a company XXXX XXXX to get help on making my payments so on XX/XX/XXXX i received a letter in the mail about my payments is said to sign the paper work so that way i can keep my house so i did send it back and so then i received a email from XXXX XXXX saying i got denied bc i was put on forbearance on my mortgage so i called and trying to find out whats going on no one could help me they are all being rude so i asked for a manager or a supervisor and i was told they dont get on the phones and talk to costumers i was trying to find out why i was told b/c i dont have a valid reason to talk to one this was on XX/XX/XXXX and so they finally transfer me to a manager his name was XXXX so then he said he will look in to this and get back to me before XXXX bc this was at XXXX in the morning so then i waited no calls at all till XX/XX/XXXX i received a call from XXXX she told me she was from lost mitigation and so i asked her who was the guy i talk to on Monday and then i hear hold music so i said ok ill wait so i did then she hu the phone so i called back at XXXX on XX/XX/XXXX and i spoke to the manager his name was XXXX so then i asked what happened to the call and did he ever find out who put me on forbearance and why was i put on that without anyone calling me and approving that he said oh i was sick o i left early. and then i asked him if he was a manager like he said he was he said no he is a sr rep i asked him why is he miss representing himself he said he is not manager and supervisors dont take any Calles and they won't talk to me i asked him i need to find out who put me on forbearance and why was i put on that if the XXXX XXXX was calling to make payments he said he does not know he has not got anything back i asked what did he do to get that he said nothing bc he was sick i then asked for a supervisor he said they dont have one and so i advised him then i will make sure they call me after i file this complaint and ended the call. and i attached the letter i got from XXXX XXXX bc someone put me on forbearance, and they won't help or pay anything bc of the forbearance on the acct till XXXX of XXXX that i never asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b 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 2022-11-26 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: MD

Complaint narrative:
I have an XXXX credit card and the bank operating the card changed. I had automatic payments set up and did not receive any notice that they would be terminated, possibly due to the fact that I moved during the time that the banks were transferred. Because my automatic payment didn't post, my payment was late and the credit card company reported to credit agencies. When I realized it was late, I immediately paid in full and sent a letter to the bank explaining the situation. The bank responded initially by saying they would remove the negative credit remark, but they have not done so and my credit is still impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, I received a text message from Veterans United Home Loans saying that I started my home loan process with them. I checked my email account and saw two emails from Veterans United Home Loans, one of which also stated that I started my home loan process. I contacted them immediately to tell them that I did not do anything with them and I am not in need of any home loans. They said that they believe someone who worked with Veterans United Home Loans got my information from the VA and put my information into the system. This is not ok, and I have no idea how far they are going to go with this or exactly how much of my information about me they took from the VA. This organization is not ethical and is possibly criminal and I am very concerned that they will start stealing more information from me to either sell to other parties or start processing loans with my information. Please help me stop them

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 2022-11-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of Georgia, therefore XXXX XXXX XXXX. attempting to conduct business with me is a direct violation. 

I demand this alleged debt to be REMOVED AND DELETED from my EXPERIAN credit report as it is your legal obligation to maintain an accurate report at all times! Failing to delete and remove this collection is a direct violation of my consumer rights! 

The attachment below shows proof that they do no have a license to conduct business in the state of Georgia. Choosing to ignore the fact of the matter is illegal and violates my rights.

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 2022-11-26 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: MO

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my fedrally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX reported XXXXXX/XX/2022 XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX reported XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX reported XX/XX/2022 XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX reported XX/XX/2022 XXXX XXXXXXXX XXXX account # XXXX reported XX/XX/2022 XXXX XXXX account # XXXX XXXXXXXX XXXX reported XX/XX/2022 XXXX XXXX account # XXXX XXXX $ reported XX/XX/20XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX reported XX/XX/20XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX reported XXXXXXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  report XX/XX/2022 XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX report XX/XX/2022 XXXX XXXX XXXX account # XXXX XXXX XXXX report XX/XX/XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX report XX/XX/202XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX report XX/XX/202XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2XXXX XXXX XXXX XXXX account # XXXX XXXX $ report XX/XX/2022 XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX report XX/XX/20XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX report XX/XX/2022 kansas XXXX XXXX account # XXXXXXXX XXXX XXXX report XX/XX/2022 XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  report XX/XX/2022 XXXXXXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  report XX/XX/202XXXX XXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX report XX/XX/2XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  report XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states i have the right to privac

y 15 U.S.C 1681 section604 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 ) ( 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 beleieve 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 2022-11-26 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS account resolution, And XXXX XXXX haven't provided me the documents that i asked them to provide to me, I've read that there is a total of 15 days for them to provide me the information, And it's been more than 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-26 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-26 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: NY

Complaint narrative:
Hello! This debt was already taken care of due to XXXX. It was also not under the name that Medicredit has claimed. XXXX just confused as to whats happening. Ive tried to call back and dispute the debt, but can not get through or leave a voicemail. I would love some help here. Unsure of what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I woke up to 4 welcome emails this morning from Bank of America congratulating me for an Advantage SafeBalance Banking account that I did not open. When I attempted to call to inquire about the fraudulent account, I was unable to get past the first prompt of the automated system because I didnt have an account number for a XXXX XXXX When I searched online to see if this was a common issue, I saw several posts on XXXX from others, dating back to very early in the year, who have experienced the same problem. Bank of America is clearly not requesting the right information to open a new account and criminals know that when a consumer catches wind of it, they wont be able to fix it before the damage is done. Bank of America needs to remedy both of these issues asap.

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 2022-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Veros Credit, LLC
State: TX

Complaint narrative:
When I first brought the car I called the salesman back too say it was a mistake because interest was too high and wanted too bring car back he told me after u drive it off the lot u cant bring it back and now that the law says I had 3 days too bring it back and I didnt know and now on the truthful leading act 15 usc 1662 B I cant get my down payment back or I dont have too put a down payment down and I Think that was a violation and wasnt given the right information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX, And portfolio resolution haven't provided me the documents that i asked them to provide to me, I've read that there is a total of 15 days for them to provide me the information, And it's been more than 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: NC

Complaint narrative:
I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2022-11-26 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: TN

Complaint narrative:
Among checking my credit report I noticed there a serval fraudulent account and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I co sign for my grandma over 5-7 years ago and its still showing up on my credit report as being updated in XXXX  the car was sold and etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
on " XX/XX/XXXX " I received an email from who I later learned was a " XXXX scammer, '' wanting to buy an expensive painting I had listed on XXXX. I had absolutely no clue what kind of mess this individual would put me in. The man who I have saved screenshots of sent me a " fraudulent check '' of twice the amount listed because supposedly he had hired a team to move the painting securely out of my residence. The check went through and I never suspected any kind of wrong doing until for some reason 3 days later, after the money had already been used for rent, it was returned and in XXXX weeks time, without notice, my account with USAA was closed. I am a United States XXXXXXXX XXXX veteran and i have been with USAA since XXXX. This account is also where I used to receive my XXXX benefits every month. I only got an email. This man who sent me this fraudulent check should be held accountable. I try to see the very best in people and try to see the world as negative as it sometime can be but at this point, in my honest opinion, was me being naive and he took complete advantage of that. I'm looking to see if there's anything I can do to at least come to good standing with USAA as they are also my car insurance providers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26 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: NJ

Complaint narrative:
Accounts I do not recognize

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 2022-11-26 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: NJ

Complaint narrative:
Accounts I do not recognize

Company response to consumer: Closed with explanation