vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
My wife and I took advantage of fully allowed mortgage forbearance for 18 months ( from XX/XX/XXXX thru to XX/XX/XXXX ) due to the CARES act and Covid -19. 
Our forbearance plan is due to end XX/XX/XXXX and normal/ regular payments are due to resume/ due date XXXX. 
Since, the process began, we were led to believe, that we could defer our forborne amount to the end of the existing loan, i.e it then being payable at the maturity of the loan.

However, the company ( RoundPoint Mortgage Servicing Corporation ) in question has since " revised '' their website and we can not see our payment history anymore. Thankfully I printed out a " history '' of transactions from XX/XX/XXXX up to and including XX/XX/XXXX, which shows the principal balance owed at that time. 
However, I was about to set up my XX/XX/XXXX payment due, yesterday and to my dismay our, " new '' mortgage balance has increased by approximately {$11000.00}!!! 
I spoke with the company many times over the last 18 months, to ensure that " nothing ' with regards to the amount owed would change, as we did not want a loan modification, even though they have sent us a letter as recently as yesterday XX/XX/XXXX ( dated XXXX ) saying that is what we have done??? We can afford the mortgage payments and do not need a loan modification, but their ability to explain this is futile ( last phone call yesterday, ( XXXX ) to the company I requested to be transferred to a supervisor, that promptly got hung up on!!! ). Therefore, I feel that due to lack of transparency and inappropriate increases to our mortgage balance, I had no other choice to make a complaint.

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 2022-01-19 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX CARD XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

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 2022-01-19 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: IL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I just realized that I have two accounts in my credit report that are not mine. 

Transworld System opened in XX/XX/2021, amount {$690.00} XXXX XXXX opened on XX/XX/2021, amount {$290.00} Also, there are 2 addresses that dont belong to me : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX Tx

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FCU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX CARD XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I consumer XXXX XXXX sent ARS a request to obtain my consumer report. ARS have not sent me a copy of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: AL

Complaint narrative:
I submitted a notarized affidavit to Experian stating that the 15 accounts they had listed under my profile that were showing a 90-day late payment were invalid and I wanted to have the accounts updated. They wrote back stating the accounts were verified. I sent them my credit report from their direct site showing how my account payment status shows the accounts were on time and then one month they just show a 90-day late payment. This is against the FCRA and they are reporting inaccurate information to my credit profile. These accounts were never late and it's impossible for an account to have a positive status for one month and the next month be 90-days late. I told Experian in my dispute that I wanted a live person to review this case and that I did not consent to e-Oscar or any automated verification processes. They ignored my request and they still utilized automated verification processes. I asked them to send me the verified information they had showing the accounts were reporting accurately. They ignored this request as well. I'm filing this complaint as the company has violated FCRA 611 Subsection 7 : Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They violated FCRA 611 Subsection 5 ( A ) : In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Experian can not verify information that is clearly inaccurate. A person can not have a full payment history of on-time payments and then the very next month have 90-days late. Experian 's automated system is missing important facts about this dispute and it's causing me damages. If this matter is not resolved I will be filing a small claims suit for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I had received a card previously from chime and went down to load the card at XXXX I put {$440.00} on it I had activated the card previously with the phone number on the back of the card I went shopping at XXXX and went to use the card and it wouldn't work and they informed me that it might be a timeline of when the money was there so the next day when I got up I called and it said my money was there so I paid my phone bill my power bill and my water bill and I had {$180.00} in cash left and it wouldn't let me draw any money off in cash or put gas in my truck they still owed me {$180.00} and I got an email stating they were closing my account and I had to wait for 90 days to get my money back from them I didn't do anything wrong and I don't understand why I can't get gas or get my money back but they won't even talk to me about it now because the accounts closed and when I try to email them it says the email address is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
someone broke into my truck an stole my back pack with my laptop wallet and all my 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 2022-01-19 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:
Last XX/XX/XXXX, i found some wrong details on my credit report. I immedaitely wrote to the credit bureaus to correct and have these items removed or upodated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. 

I am writing to have the following items removed : XXXX : " XXXX XXXX XXXX '' Experian : " XXXX XXXX XXXX '' XXXX XXXX XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the 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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A collection agency under the name XXXX XXXX APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I DO NOT own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION AS CONTRACT OR AGREEMENT BETWEEN ME AND THEM. ( PREVIOUS CLIAM NUMBER XXXX ) EXPERIAN, XXXX AND XXXX ARE GOOD AWARE OF THIS ILLEGAL PRACTICE FROM THIS KIND OF COMPANIES AND THEY ARE STILL ALLOWING THIS KIND OF COMPANIES TO PUT ERRONEOUS INFORMATION ON MY CREDIT REPORT WITH OUT ANY VALID DOCUMENTATIONS I REQUEST THAT CREDIT TOLL BE REMOVE IMMEDIATELY FROM MY CREDIT REPORT, THAT THEY SEND ME ANY SIGNED DOCUMENTATION AS A CONTRACT OR AGREEMENT BETWEEN ME AND THEM AND THAT THEY SEND ME IMMEDIATELY THE RECIPE THAT SHOWS FOR HOW MUCH THE BOUGH THIS ACCOUNT FROM XXXX OR XXXX XXXX .... XXXX  XXXX IS USING XXXX HAVE ALL MY PERSONAL AND CONFIDENTIAL INFORMATION WITH OUT MY CONSENT IF IN 5 BUSINESS DAY THIS ACCOUNT IS STILL ON MY CREDIT REPORT I WILL FILE A LAWSUIT IN MY SMALL CLAIM COURT DISTRICT AGAINST CREDIT COLL AND ALL THE REPORTING AGENCIES

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 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My Capitalone360 bank wrongfully accused me of a fraud transaction and closed my account even with money still in there. I sold a XXXX Note XXXX on XX/XX/2021 on XXXX XXXX. I met with the buyer, they were a boyfriend and girlfriend, or could be any kind of other relationship. It was the man I chatted with, and it was the woman 's XXXX that sent me money. I received {$340.00} from the buyer via XXXX transfer. 

On XX/XX/XXXX the bank called me saying that this person reported me fraud. I told the bank that I sold this person a smartphone. Everything is fair and square, and not a fraud. I told them I will email the evidence if they don't believe me. The bank left me an email : XXXX. I sent all screenshots of our chat. They have yet to reply me after I sent all the evidence to me. By this time it was XX/XX/XXXX. I checked my bank account and it was already closed! Why is the bank so ignorant? Why they believe the liars over the real innocent person!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
On or about XX/XX/2022 a mortgage lender did a hard inquiry on my credit score. I was applying for a loan. For the past 2 weeks I have yet to hear back from the lender I was going to work with. I am wondering if I can remove the credit inquiry that was recently submitted on behalf of Movement Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TN

Complaint narrative:
I sent In my documents to the credit breau regarding fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
Alliance Collection Agencies placed a Collection account on my consumer report at all three major credit reporting companies on a report I pulled in XXXX of XXXX. Prior to this, I never received any communication from this company about the alleged debt. I do not have any type of relationship with the alleged debt collector. Allegedly this was for something from back in XXXX of XXXX. It is just now being reported to my credit report. This is a terrible situation, especially as I have no current balance with the alleged original creditor, let alone owing anything to a third party debt collector with whom no contract was ever made. It is crazy how a company can just put some totally false and negative information on your report causing a decrease in a score of 20 or more points for some money that is not even owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XX/XX/XXXX I called Truist to change my payment date to the XXXX of each month. On or about XX/XX/XXXX one of my cards credit limit was reduced to 10 % of the previous amount. 

I have not missed any payments, however on XX/XX/XXXX both of my credit card accounts were closed. I would like my accounts reopened and my credit limits re-established.

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 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am making a complaint against chime. I have been trying to get a card from them for about 6 months now and have not received one yet. I have called them 6 times and everytime I have called they offered to send another card. I have provided them with my correct address and this last time they want additional proof that this is my address. I don't have any more proof to give them. I am fed up with trying to get a card from them and now they want more proof. What more proof do I need? This is my complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was told today by an apartment company that in my background there were two dismissed evictions. I was never informed of this before. They said it was from XXXX and XXXX. I continued to live at that apartment complex until XXXX of XXXX. I had been told by the real estate company XXXX XXXX XXXX XXXX in XXXX, PA ) that they had dropped everything and that wouldn't be showing on my record due to the nature of both of those situations. The one in XXXX I had been discriminated against at my current job and was suspended for three months for " aggressive pointing '' ; I have paperwork backing all this up along with a right to sue letter against my employer. The one in XXXX I had to have an emergency XXXX and was illegally docked by my employer ; I also have evidence backing this up too. I do not understand why these are coming up and when I called all the credit company that the apartment company went through ( TransUnion ) they stated they saw nothing on my record about dismissed evictions. I don't know who else to turn to since I am running out of options for places to live because I am currently fighting my current landlord about multiple violations and the health department is involved attempting to make him work on the house I am living in. But the conditions are extremely unsafe and without heat. Any assistance is appreciated. Thank you.

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