vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX my Bank of America Cash rewards supervisor XXXX has told me that my account was closed for no reason. I have had this credit card since XX/XX/XXXX with no issues. please see attached photos for proof. I was NEVER late, this is a violation of my rights and federal law of 15 U.S.C Ch. 41 TILA Act. I have a credit limit of {$8000.00} and I was never late with payments. I am also an honorable military combat veteran who served his country. They have mentioned upon reviewing my credit report we have decided to closed down the account. I never gave them permissible purpose un 15 usc 1681b that is a violation of the law to pull my report ( EVEN IF ITS SOFT PULL ) i always paid off the credit card, and i was looking to pay it off in full this month. I will be filing a BBB complaint as well as bringing this to the attorney general, public press release and social media! Being that they closed that account this affect my score and put me in a bad position credit wise which i can sue and put them in litigation for! this is an adverse action against my well being. i am the original creditor ( by federal law ) I extend the right to give you guys my credit and it actually against eh law for banks to extend credit! they fraudulently check my credit report and deemed me as a credit risk. the violation they broke was the FCRA 1681 usc ss 604 states. they did not give any warning what so ever. regardless i have great credit nd they broke the law. I will also be seeking litigation.

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 2021-10-20 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: EMBRACE HOME LOANS
State: FL

Complaint narrative:
Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 97 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK
State: FL

Complaint narrative:
The card DISCOVER BANK filed a claim on me inXXXX,. I went to court it was discharged because. I didnot have income. On XX/XX/11 XXXX. Discover card filed a claim again this debt i XXXX XXXX XXXX. The letter states CONTINUING WRIT OF GANSHMENT AGAINST SALARY OR WAGES The case Company # is XXXX XXXX XXXX XXXX. XXXX/ Ky Toll # is XXXX XXXX. I stared receiving robot calls from # in that area in XXXX every day. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-10-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop XXXX I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I purchased my home in XX/XX/XXXX. I financed the mortgage with Rocket Mortgage ( Quicken Loans ). I always pay on time, I have never missed a payment or paid late. On XX/XX/XXXX I applied to refinance my mortgage in an attempt to lower my interest rate. 

Rocket Mortgage said they were unable to approve my loan because I owe past due child support. I explained that I have a court approved child support order to repay the past due child support in monthly installments, but Rocket Mortgage said they were still unable to approve my application. 

I want to know if a bank can legally deny a loan application based on past due child when the child support is being paid per court order?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Diverse Funding Associates LLC
State: MO

Complaint narrative:
Starting on XX/XX/19 calls places to three different phone numbers with a message about being severed documents. Upon contacting company was told a server would be out at noon. Company proceeded to contact more numbers in regards to the issues. Company threatened that much legal trouble would result by not paying them. Tried calling again each representative use the same bully agrresive tactics. Lie and say no one has called and they havent talked to know one. Ask company info they say XXXX XXXX based out of California. Had to call original credit card company to get truthful 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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
Guaranteed Rate Mortgage company is saying I owe them {$150.00} for a drive by XXXX appraisal I never ordered nor was I made aware of. I was told by XXXX XXXX he could not help me with my mortgage a month later I took care of lien problem that was preventing XXXX from closing. His assistant told me she would be in contact. she never contacted me after two weeks I went with another company now I am getting soft credit pulls and a bill I was completely unaware of for {$150.00}. They never informed any such thing would be done or needed to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CA

Complaint narrative:
I'VE BEEN HAVING ISSUES FOR OVER A YEAR DEALING WITH ACCOUNTS APPEARING ON MY CREDIT REPORT THAT ARE NOT MINE AND IT SEEMS LIKE THE CREDIT BUREAUS ARE NOT WILLING TO HELP TAKE CARE OF THE MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX Credit/BOCH TOYOTA. Date : XX/XX/2021XXXX  XXXX XXXX XXXX. Date : XX/XX/2021TOYOTA MOTOR CREDIT CO. Date : XX/XX/2021 XXXX XXXX XXXX. Date :XX/XX/2021 XXXX  XXXX XXXX. Date :XX/XX/2021XXXX XXXX XXXX XXXX : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX XXXX XXXX. Date : XX/XX/2021 XXXX  XXXX XXXX XXXX. Date : XX/XX/2021 XXXX XXXX XXXX XXXX. Date : XX/XX/2021 XXXX XXXX XXXX. Date : XX/XX/2021 Bank Of America. Date : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021

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 2021-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My credit report shows a late payment made to Navient of 90 to 110 days, yet the months surrounded it shows on time payments made. XX/XX/2020 shows 90to 110days late, yet XX/XX/2020 is on time and so isXX/XX/2020. I was not late making payments for any of theses months and request that this error be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: PA

Complaint narrative:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report on XXXX XXXX from all three credit bureaus. I noticed there were credit inquiries from companies that I had no knowledge of. I contacted XXXX, Equifax, and XXXX to notify them of the credit inquiries that I had no knowledge of and they advised me to contact the actual companies and told me the inquiries could not be removed because they are factual data. The following information is displayed on my credit report as inquiries and I have no knowledge of these companies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax- 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received my credit report on XXXX XXXX from all three credit bureaus. I noticed there were credit inquiries from companies that I had no knowledge of. I contacted XXXX, XXXX, and Experian to notify them of the credit inquiries that I had no knowledge of and they advised me to contact the actual companies and told me the inquiries could not be removed because they are factual data. The following information is displayed on my credit report as inquiries and I have no knowledge of these companies. 

XXXXXXXX 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 XXXXXX/XX/XXXX Experian- US Sm Bus Admin Oda XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-10-20 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
XX/XX/XXXX - We ( my husband and I ) closed on a home using a local-to-us title company. Shortly after ( less than one month ) our loan was sold to LOANCARE. Our closing documents as well as our Initial Escrow Account Disclosure Statement, lists XX/XX/XXXX as when County Property Taxes in the amount of {$960.00} would be paid. This amount also reflects the amount that was in the escrow account at closing, before our first mortgage payment after close. 

XX/XX/XXXX - Received a " Refund to Borrower '' check from LOANCARE for the amount of {$700.00}. The paperwork included only stated that our escrow account was in surplus, so the amount was returned to us. 

XXXX - Received a letter from the XXXX County District office stating that our property taxes were late, and were incurring late fees. At this point, I called LOANCARE to ask about why our taxes were late. At this time, via telephone, we were told that this issue would be taken care of, but we were not offered any other explanation for what happened. 

XX/XX/XXXX - Statement date for our Annual Escrow Account Disclosure. It reflected our escrow account to now be in a projected shortage of $ XXXX. Upon receiving the letter, we called LOANCARE to ask about the projected shortage. We were not given any direct answers. Instead, we were only told that our taxes had been paid on our behalf from our escrow account. I asked why we were sent a refund check if these taxes had not been paid yet. I did not receive a clear answer. We were only told that the taxes were not paid initially because the due date was too close to our closing date. This is not true. We closed on XX/XX/XXXX, and the taxes were not due ( PER THE DISTRICT OFFICE ) until XX/XX/XXXX. 

XXXX - We retained a lawyer who suggested writing a certified letter ourselves, and offered advice on what questions to ask. We did so, received a receipt that the letter was received, and waited. Eventually, we received back information that we did not believe answered our questions. 

XX/XX/XXXX - We paid our lawyer to send a certified letter of his own. Since this date, he has not received a response from them. I am unsure if this involves any receipt of signature or not. 

XX/XX/XXXX - I call LOANCARE in order to inquire about the status of our letter via lawyer. Per the customer service rep I spoke with, they received no letter. 

XX/XX/XXXX - We have retained new legal counsel in order to more aggressively pursue answers. This is also the date of writing this 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 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 FAIR COLLECTIONS & O. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX and Equifax are violating the United States federal code law under 15 U.S. code 1681b - Permissible purposes of consumer reports I never gave them or the companies below any written consent to report anything on my consumer report or consent which is identity theft. 

XXXX Inquiry : Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXX XXXX, Date : XX/XX/2021 Account Name : XXXXXXXX XXXX Date : XX/XX/2021 Account Name : XXXX XXXX  XXXX Date : XX/XX/2021 Equifax Inquiry Account Name : XXXX, Date : XX/XX/2021 I have sent them a letter stating that they have violated these laws and they have still not deleted this from my consumer report.

Company response to consumer: Closed with explanation