vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Aspen Yo LLC
State: CA

Complaint narrative:
I was told it was to late and if my documents were received they would not be downloaded until XXXX XXXX XXXX XXXX It was XXXX XXXX and it would be too late. I called GREGORY FUNDING on XX/XX/XXXX and was told the documents never arrived on Fri. I requested information concerning an appeal and was advised that no appeal process excist if an application is not complete. I had provided all the documents requested and received notification concerning my medical records I provided. I was informed my documentation I submitted was destroyed in it entirety. I had no idea that my loan modification was no longer being reviewed. I have hired a law firm to assist me and was informed that the wait time on the phone was approximately 5 to 6 hours. This is exactly what I was subjected to when I began the process. I began submitted the documents again to GREGORY FUNDING. My loan server changed hands three times, after XXXX filed for bankruptcy. HUD has agreed to assist me and states I should contact GREGORY FUNDING and ask for an extension of two weeks. This is the XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
In XXXX XXXX  I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XX/XX/XXXX to follow up on those letters, I was told by the Customer Service Rep, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX. 

As of today, XXXX, XXXX and XXXX still have open status for MOHELA and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with MOHELA but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, XXXX did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX XXXX Balance Account from MOHELA ; dated XXXX  and additional document dated XXXX directly from my know open, MOHELA account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

MOHELA was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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: TX

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 0 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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: TX

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 0 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XX/XX/XXXX to follow up on those letters, I was told by the Customer Service XXXX, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX 

As of today, XXXX, TransUnion and XXXX still have open status for XXXX and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with XXXX but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, XXXX did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX, XXXX Balance Account from XXXX ; dated XX/XX/XXXX and additional document dated XX/XX/XXXX directly from my know open, XXXX account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

XXXX was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into 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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XX/XX/XXXX to follow up on those letters, I was told by the Customer Service XXXX, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX 

As of today, XXXX, XXXX and Equifax still have open status for XXXX and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with XXXX but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, XXXX did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX, XXXX Balance Account from XXXX ; dated XXXX  and additional document dated XX/XX/XXXX directly from my know open, XXXX account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

XXXX was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XXXX XXXX  to follow up on those letters, I was told by the Customer Service XXXX, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX 

As of today, Experian, XXXX and XXXX still have open status for XXXX and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with XXXX but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, Experian did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX, XXXX Balance Account from XXXX ; dated XX/XX/XXXX and additional document dated XX/XX/XXXX directly from my know open, XXXX account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

XXXX was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Today, I am writing this complaint to CREDIT MANAGEMENT LP regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bitstamp USA, Inc.
State: NJ

Complaint narrative:
I have an open account with Bitstamp.net and went thru their verification process in XXXX and was approved-I performed several transactions in XXXX but on XXXX XXXX, i tried to deposit more funds and the website said deposits are not available. I contacted them several times to no avail. When i tried to withdraw funds, I received the same message. For over a week, I have been calling and sending emails daily to no avail. As they have a corp address in NY, i filed a complaint with the Dept of Banking in NY and today was referred to this site

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 2023-11-08 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE INQUIRY } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a high yield savings account with XXXX XXXX bank on XX/XX/2023. Due to issues with THEIR online banking system, when I transferred in my money to fund the account, the transfer was duplicated. I recognized the problem immediately and contacted them to have the duplicate transaction voided but they said they were unable to do this manually. It took over a week for their system to understand it was a duplicate transaction. Once this was finally resolved I realized I didn't feel safe having my funds saved with such a poorly run bank and tried to transfer my funds back out and and close the account on XX/XX/2023. They then put my account on a fraud hold. 

I have now called repeatedly trying to remedy the situation by verifying my identity so the fraud hold can be released so I can have access to my funds again and to close the account. Their customer service team just keeps putting in " tickets '' to their fraud department that never get answered. When you call their fraud department, you get sent to a voicemail box that is always full and can't take new messages. 

At this point I am legitimately getting concerned that I will never have access to my funds again and the money I have been saving all year to pay my property taxes next month with are in those funds! This is starting to feel like fraud itself. Any help I can get would be highly appreciated. 

I went online and they are countless websites with people complaining about their horrible experience with this bank. Please someone step in and regulate their shady business practices!

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 2023-11-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica

Complaint narrative:
I have tried to get access to my social security money in my Direct Express account for XXXX year now. Given the runaround. A passport, Social Security card, and XXXX other XXXX  IDs have been provided. They are all valid but they reject every ID but when asked why they are rejected they say, " I dont know ''.. I need them to allow me access to my money ASAP. I am about to become XXXX  and do not have money..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was asked to fax my proof of all payments to my account with synchrony bank acc end XXXX .so I asked faxed all bank statements for online payments and paper receipts from in store payments for the dates of XX/XX/XXXX through XX/XX/XXXX I faxed it to XXXX the fax number that I was provided with.an investigation was done the account was accurate after the investigation and then I started. Getting statements saying I have another balance the account has been closed since XX/XX/XXXX so should not have been no purchases and the account should be {$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 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On or about XXXX XXXX XXXX XXXX a bank teller, and XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, XXXX, MO branch. As a loyal customer of Regions Bank for the past XXXX years, I am appalled by the unprofessional conduct and denial of my request to withdraw funds from my checking account ( Account Number : XXXX ). This complaint solely seeks reason ( XXXX ) for the denial to withdraw funds from said check account and explains why XXXX XXXX denied the Complainant from closing said account that same date.

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 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I got behind on the mortgage in XXXX, sent a payment of {$17000.00} dollars to catch up account, which never got applied and placed in another area at Rocket Mortgage Company, then in XX/XX/XXXX applied for mortgage help from Ohio Housing Finance Agency, they returned a letter saying i'm eligible but Rocket Mortgage did not send the required documents to OHFA or myself until XX/XX/XXXX, letting the amount due increase, also I applied for a Mortgage assistance application with the mortgage servicer and have not gotten any response, also Rocket Mortgage still have not sent successor in interest documents to OHFA and claiming for over a year I didn't send the correct information to them which is clearly listed on the property deed for me to get the financial help available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation