vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

CLOSED ACCOUNTS NOT MINE ASK FOR MY SSN... XXXX XXXX XXXX XXXX XXXX account # ... XXXX XXXX XXXX XXXX account # ... XXXX XXXX. XXXX, XXXX XXXX account # ... XXXX XX/XX/2016 XXXX XXXX .... XXXX XXXX, 2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX.. XXXX XX/XX/2016 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
On XX/XX/2022 experian dropped my score from above 660 ( fair ) To below 600 ( poor ) for no reason, no outstanding debt no bad report, I am trying to get into a better apartment and to qualify I need a good credit score now Im XXXX  and I have not done anything wrong I avoided debt to qualify and Experian has harmed me by dropping my score for reason. 
Spent an hour on the phone with Experian operator and she said there is nothing they can do Please ask them to return my score to what it was so I can qualify for my apartment 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
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
I was on an 18 month loan forbearance due to COVID - when it ended I was sent two letters. The first stated at the bottom that I would need to start my regular mortgage payments on XX/XX/XXXX. ( On the second page of this first letter half way down it also mentioned another contractural payment due XX/XX/XXXX. ). 
The second letter that required a signature ( I signed and mailed back by XX/XX/XXXX as requested ) did not mention this XXXX contractural payment at all. This is what I signed and agreed to. I was also told to call and make XXXX payment not to process it on line. I called. XX/XX/XXXX and made the XXXX payment. During that call no one asked about the money which I did not realize I needed to pay on XX/XX/XXXX. I also asked to get back on auto pay, they told me I had to wait to do that. I called back the end of XXXX to make my XXXX payment and was told I had been kicked off the deferral agreement that added my 18 months to the end of my loan agreement and could not make a payment. My only options were to pay the deferred amount or go on a flex modification program that changed my 15 year conventional mortgage into a 40 year balloon mortgage. 
I have had many call and conversations with US Banks Loss Mitigation department and they refuse to correct the mistake. I explained that I was going through medical issues in XXXX ( I had a XXXX leak that was XXXX XXXX XXXX  ) when the deferral agreement was sent out. I apologized if I did not realize I owed money in XXXX and offered to pay that and the XXXX mortgage payment. They told me I could not make XXXX payment. I have put in two complaints asking for my phone conversation records which they have denied. I have also asked to speak directly with someone from that department instead of relationship managers and their supervisors. Ive called weekly to correct this issue and jump through hoops to get a supervisor on the phone. I admit there was an error, but it was caused because of my injury and not clearly understanding. I do not understand why two letters were sent with different information and only one required to sign and return. Also, when talking about money owed it should always be discussed by what is owed first. Why are they focused on what is owed in XXXX, if I also owe money in XXXX? It just seems like a way to confuse people and take advantage of them after they already had issues due to COVID.

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 2022-06-03 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: DISCOVER BANK
State: NY

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
In XXXX of 2021, XXXX XXXX held our mortgage. Our last pay went was made to them well little did we know they sold our loan to FAY SERVICING LLC. Since XXXX of 2021 we have no been able to make a payment because they keep threatening foreclosure thru mail. I have called and called and called and I am at a loss at this point. My husband is the breadwinner, has had XXXX very serious surgeries which has made him unable to work. My daughter and her little boy who has XXXX  live with us and she tries to help as much as possible but only get his ssi. I need help with this company I just recently received a letter of my payoff and they added nearly XXXX in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, has violated my rights. 

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 an account without my written instructions.

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 2022-06-03 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: EQUIFAX, INC.
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, has violated my rights. 

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 an account without my written instructions.

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 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MI

Complaint narrative:
I was billed for a vet bill in regards to a horse I do not own, nor have ever owned. I sent filed of the proper ownership along with a history of all ownership in the lifetime of said horse. I sent documents to Tek Collect multiple times to always get the run around. The situation is ridiculous to say the least. Next step is to seek legal council.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
On XX/XX/XXXX I was struggling paying my mortgage. I couldnt find a job due to Covid-19. I applied for financial mortgage assistance with my mortgage company, PHH MORTGAGE CORPORATION. They approved six months of forbearance, but later that year they sent me a notice saying that my application was denied because I missed one payment during the trial period. I explained to PHH that my bank did not sent my auto-pay because PHH changed its name on XX/XX/XXXX from PHH MORTGAGE SERVICES TO PHH MORTGAGE CORPORATION . Phh did not accepted my explanation and demanded for the full balance due of {$8000.00}. 
On XX/XX/XXXX, I applied for a deferment of the XXXX balance on my home loan # XXXX and to consider that my finances have increased significantly compared to when we first applied for mortgage assistance at the beginningof the year XXXX. They denied my application due to missed payment On the trial period on XX/XX/XXXX, which is exactly the day the company changed its name. I applied again on XX/XX/XXXX and again on XX/XX/XXXX and my application was denied again for the same exact reason, saying I failed to make a payment during the trial period in the last 12 months. I call back and they told me to apply again in XX/XX/XXXX, which is out of the 12 months after the missed payment. So I did, but again it was denied with the same exact reason. I call back today and applied again for a loan modification. They offered me a payment plan of XXXX per month. I requests to do it for XXXX instead. They couldnt do it. So I applied for a loan modification and were asked to wait for 10 days for the writers to review and respond. 
Mind-time I have sent monthly payments, but they all have been returned demanding to pay the full amount owed, which now is a total of {$14000.00}. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National debt collector stated loan was taken out from XXXX bank for the loan amount of XXXX on XX/XX/XXXX and it was sent to a XXXX XXXX account ending XXXX XXXX, an account in my name controlled by my exboyfriend A payment was made XXXX XXXX XXXX, but not by me and then it went deliquent. an email : XXXX was given which my ex had acess too. A DL was given but no number is on file. the reference number for national debt collectors is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity Bank is charging additional fees after an account is closed. 

I called and asked to cancel my account and to decrease the membership to {$55.00} on XX/XX/2022. The bank decreased my membership a month after, but never notified me about the remaining balance they just keep on adding additional charges. 

I got a call today XX/XX/2022 asking for payment in the amount of {$160.00}. Why are they adding fees when I asked to cancel my credit card. 
Bank waived {$40.00} fee only and keep all other fees. 

XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$40.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$36.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$29.00} XX/XX/2022 XXXX XXXX  XXXX XXXX XXXXXXXX RETURN - {$55.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX PURCHASE {$110.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX RETURN {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: VT

Complaint narrative:
I attempted to access my Pay Pal account to verify the last statement and to order a transfer to another person with funds from my XXXX account that is linked to PayPal. The XXXX account is now about XXXX XXXX XXXX still with the original account number. 

I signed in with user name and password and was presented with a page asking for my mobile number. There were no options available on this page and backing out or retrying always returned to this page.I AM IN AN AREA WITH NO CELL SERVICE. I have no mobile phone. 

I called Pay Pal several times, was rerouted to different agents, requested assistance from a supervisor then askrequested that I change my password. I did and it made no difference. The final result was offered was that I go and buy a mobile phone. Again I requested a manager and was told I would receive a call on XXXX XXXX. 

This is where it stands. No call was returned from Pay Pal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

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 2022-06-03 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: EQUIFAX, INC.
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I lived at XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX. On XX/XX/XXXX i called fair housing to make a complaint about my uninhabitable living conditions to XXXX XXXX. On XX/XX/XXXX i received a XXXX notice in my upstairs neighbors name with my correct address on it. On XX/XX/XXXX i received a 60-day notice to vacate. On XX/XX/XXXX i gave the on-site manager XXXX in writing my 30-day notice to vacate. On XX/XX/XXXX i vacated the property and returned all keys and possession. 3 months later i received a letter in the mail saying i owe KIMBALL TIREY & ST. JOHN XXXX. I later found out they charged me rent for the month of XXXX where i no longer resided. An unlawful detainer was filed against me after i moved out, so i didn't get any of the court paper work sent to the XXXX address. The unlawful detainer was dismissed and sealed in the court of law. KIMBALL TIREY & ST. JOHN has been reporting this fraudulent negative remark to my credit report going on 4 years. Back in XXXX of XXXX i spoke with a lady named XXXX who works for KIMBALL TIREY & ST. JOHN. She told me why i was charged for the month of XXXX. According to XXXX she said i didn't give a 30-day notice to vacate. I told her i did and she was going to check my file and get back to me but never did. I also never got my got my portion of the deposit back. Through out the years i have sent numerous Validation letters to KIMBALL TIREY & ST. JOHN to validate this alleged debt I never received a response, just more debt letters from them. This is a violation of my fair credit reporting act. I believe this was an act of retaliation because i called fair housing on the property management XXXX XXXX XXXX XXXX Also the on-site manager XXXX and I AS well her boss XXXX didn't see eye to eye. i have copies and proof i turned off all my utilities and the court dismissed letters i sent to KIMBALL TIREY & ST. JOHN regarding this matter. i wasn't properly served a 3-day notice in my name. The on-site manager XXXX has made numerous mistakes giving out 3-day notices i have those copies as well. On XX/XX/XXXX2022 KIMBALL TIREY & ST JOHN reported to my XXXX credit report a new account for the amount {$1000.00} and now i have 2 of the same accounts on my XXXX report with the same alleged amount but different opening dates, which is fraud. I have been disputing this alleged debt to the credit bureaus every month of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
I called Hyundai in XXXX oklahoma several times to cancel the extended warranty I had bought. No one would ever contact me back. I drove to XXXX in XXXX and filled out information with then and she said she would get back to me on the refund. It would first go to hyundai motor finance If I was behind to catch me up but if the account was current I would receive a check. I have not heard from them since and it's been over the XXXX weeks for processing.

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 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OH

Complaint narrative:
Some rented an apartment using my information. Spoke with the property in question and the agency seeking to collect this debt. Based on the information given I was not in that apartment on XX/XX/2015 but was at work Im Connecticut. This debt keeps accruing interests. I have disputed this account numerous times and even offered to pay 25-50 % just the get this off my credit file. They are asking me to settle for 80 %. I have no business dealings with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies/accounts have violated my rights. 

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 an account without my written instructions. 

Proceeding, below are the accounts in which have violated my rights. All of which took hard inquires on my credit on ( XX/XX/2021 ) XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX number ( XXXX ) XXXX XXXX  Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( 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
Consumer complaint received 2022-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have a long-time joint Discover on-line savings account with my husband in which he is the primary and I am the secondary owner. In two separate phone conversations with Discover, my husband asked if I was able to receive a bonus by opening a new account in my name. He was told yes, I could open an account because I am the secondary owner on our joint account. I am interested in opening a savings account as primary owner using {$150.00} bonus code XXXX. In preparation for opening up my own account and to transact on our joint account I registered for an on-line account, in which our joint account is listed. When I looked at the terms of the bonus, the text ( attached ) specifically states " Eligibility is based on primary owner ''. As two Discover phone representatives indicated, I should be eligible for the bonus because I am the primary owner on the new account and secondary owner on the Joint Account. During the on-line process ( attached ), my eligibility was deemed ineligible because of my joint account. When I called Discover, the representative indicated that I am listed as primary on the Joint account in MY on-line account and therefore are ineligible.

Company response to consumer: Closed with explanation