vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
Rent automatic debt LLC saying I have XXXX evictions I owe XXXX XXXX. Same apartment complex XXXX  at XXXX XXXX in XXXX tx with XXXX different account numbers I had a bounced checks and pets don't have checks our pets never could provide documentation with my signature or a copy of the bounced check no point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MOHELA
State: NJ

Complaint narrative:
MOHELA/Dept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Two charges for XXXX shipments appeared on our Bank of America  XXXX XXXX statement which we did not authorize ( {$530.00} on XX/XX/XXXX and {$250.00} on XX/XX/XXXX ). We informed Bank of America of the fraud. They removed the charges and cancelled the VISA card. On XX/XX/XXXX they wrote to us saying they did not approve our fraud claim and that they " confirmed the charge was made by an authorized person on the account. '' In phone conversation with B of A we asked that they send us copies of the information that lead them to this conclusion. We never received this information. We wrote them asking them to reopen their investigation. They agreed but denied our claim, giving the same reason.After we reported the fraud, we received a copy of the invoice for one of the shipments. The invoice and the air waybill associated with it showed that the package was picked up in XXXX XXXX, XXXX, signed by someone named XXXX XXXX to XXXX, XXXX. We live in XXXX XXXX, XXXX and know no one named XXXX XXXX nor anyone in XXXX. The invoice has one of our names and address correctly, but the phone number and e-mail address are not ours.We have filed a police report ( XXXX no. XXXX ) of this fraud. We sent all this information to B of A, but they still denied our fraud claim. They have never given us any specific information about their reasons.

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 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter to TransUnion on XX/XX/2022 about inquiries on my credit report that are not accurate and are not mine. I never received a response and this is causing me to be stressed emotionally and financially. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these inquiries to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to improve my credit and these inquiries are holding my score back.

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 2022-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Forbearance In XXXX of XXXX, I started a forbearance under the CARES ACT since I have a USDA loan and I was not working my full hours due to COVID-19. I was told by the person initiating the forbearance that once it was over the bank would either put the payments at the end of my loan or help us come up with a payment plan to repay the payments missed. The forbearance ended and I made my first payment XXXX of XXXX. I spoke with someone from BB & T trying to get things figured out on how we were to repay. I was told I to make my current payment every month until the bank figured out how I was going to repay the forbearance. I was sent a package in the mail to apply for a forbearance. I called them and told them I didnt need to apply for one we were trying to figure out what we were supposed to do concerning the payments missed. I was told that was the paperwork I needed to fill out. I filled it out and sent it in. I received a letter stating that I forgot to send in one of the pay stubs requested. I found the paystub and sent it in. Some time passed and I received a letter saying my forbearance request was denied. I called again and was told that someone had put it in the computer that I was applying for a forbearance. They said they would fix it and send us out more paperwork to fill out. It was the same paperwork and I was told that I still needed to fill it out so they could figure out what my repayment options were. I filled everything out and sent it in. I got a letter saying that I was missing a paper, even though I filled everything they sent and mailed it to them. I was sent a letter saying they could not verify my income even though I sent in more paystubs. I called again and was sent out the same paperwork. I filled it out, and mailed it to the address they gave me. I received a letter in the mail with a check in the amount of the house payment I had made in XXXX and I called them. I was told they never received my paperwork and they had closed my mortgage account. I asked her what was the address I am suppose to send the paperwork to and she told me she did not know. She then told me I had until XX/XX/XXXX to pay the entire past due payments from the forbearance including fees and interest ( {$10000.00} ) plus an additional {$700.00} to reopen my account and any payments missed since the closing of my account. My payments during the forbearance was about {$560.00}. I have made every payment on time since the forbearance ended with the exception of the payment they returned ( XX/XX/XXXX ) and the one they refused to take ( XX/XX/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 2022-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
We have on numerous occasions submitted modification documents for our home loan number XXXX, XXXX XXXX XXXX XXXX OH XXXX. XXXX is in name XXXX XXXX. Each time we complete what they ask us to send and they keep changing what and where we need to send documents, how we have to send documents. We send the documents by the date they give us and then they change what is required. We keep trying to complete a loan modification with Carrington Mortgage Company but they are not consistent and are giving us the run around on how and where to complete our documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My account was closed without my consent, during a dispute and several charges are on my account and sent to collections. I called customer and was told my pay check was returned to my employer without email notification or letter via mail. I called customer and was referred to collections. I reached out to consumer relations several times and my call has not be returned. I tried to open another account and theres an inquiry on my credit report and my application was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have an Axos Bank account with their Axos Invest product. I never opened the account, but it was created after a previous bank ( XXXX ) was acquired. I immediately disliked Axos 's customer service and responsiveness, so I closed my Axos Invest account by selling off all securities in the account in early XXXX. 

Fast forward to XXXX and receiving tax filing documents. Axos sent me a 1099-Combined that omits the tax basis for the sale of nearly {$17000.00}. This means my tax liability will be much higher than it should. 

They have been completely unresponsive to resolving this issue, and the tax deadline is approaching. 

I have called Axos Bank on the following dates this year to resolve : XXXX XXXX ( x2 ) XXXX XXXX ( x2 ) XXXX XXXXXXXX ( x2 ) -XXXX  XXXX My customer portal interactions with Axos in XXXX have been on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( x2 ) XXXX XXXX See Case # XXXX Every time I message or call, Axos marks the conversation as " closed '' while saying they have no ETA on when they will deliver the cost basis. 

I have 2 friends who used this service and are experiencing the exact same issue. If consumers aren't carefully reading the documents Axos sends them, they will not realize the potentially XXXX XXXXXXXX in incorrect tax liability, especially if using a tax filing website like XXXX. What Axos is doing is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXXDept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.

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 2022-03-20 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: NJ

Complaint narrative:
XXXXDept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXXDept of Ed amount {$140.00} 15 U.S. Code 6802 ( b ) ( c ) Opt out, I was never given the opportunity to exercise my rights to opt out of having this alleged debt reporting on my consumer report.

15 U.S. Code 1681 a # 2 exclusions and ( B ) Any authorization or approval 1602 ( L ) Term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This does not state anything about reporting of student loans is not credit.

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 2022-03-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX XXXX XXXX  XXXX has violated my rights. In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. In accordance with Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 
In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. In accordance with Fair Credit Reporting act XXXX  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. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-03-21 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: AR

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # ( Original Creditor ) XXXX Account # ( Original Creditor ) XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX  XXXX Account # XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX XXXX 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 a account without my written instructions. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me. 2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2022 I spoke with an agent where I my credit was verified and my loan application was approved. During the conversation I asked the lady who I was speaking with if I needed to leave my credit unlocked for anything else during this process. Her response was No. 
So once the conversation was completed I locked my credit again to protect myself from any type of fraud. 

A few days later I received the invitation as promised from the phone conversation on the XXXX, when I went to complete the transaction it was denied because of my credit being locked ( after I verbally confirmed if it was necessary for it to be unlocked ). 

On XXXX the XXXX I called in to speak with someone about what had transpired and encountered XXXX. From this day until XXXX XXXX she had me continue to apply over and over while leaving my credit unlocked be now the letters that I am receiving are saying that I am ineligible due to missing or unavailable information. 

I asked her how could this be due to the fact that I am a Capital One Card holder and have Capital One banking which also comes with XXXX XXXX. That has access to my credit information. She had no answer for that only to continue to reapply until I was approved because they could not reopen the application that was approved. 

My issue with this situation is how is it that I was approved once but subsequently not approved XXXX times afterwards and no one can do anything? I am beginning to feel as if there is something wrong with this entire situation, there is a reference number attached to my original approval, several agents within this company were able to see it but they all tell me that there is nothing that they can do to help me. 

The last letter the I received from this entire ordeal stated that I have too many attempts and they can not approve me. Now I was doing what I was told based on the advice of an agent, shouldnt she ( XXXX ) have know that this was the incorrect process in order to obtain an approval?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have on XXXX separate occasions requested that Santander Bank provide to me the Owner/Investor of my mortgage. 
On the first attempt ( request made by phone ) the wrong information was sent to me. 
On the second attempt ( request made by phone ) the information was never sent. 
On the third attempt which was an Overnight letter ( XXXX tracking XXXX ) there was no confirmation or acknowledgement of any request even made. 
My understanding is that a bank is required to provide the owner/investor on a mortgage when asked. 
I also asked for loan modification option guidelines as dictated by the investor and this was not provided either. 
I am once again requesting for the bank to disclose the following : Who is the owner/investor of the mortgage? 
What are the loan modifications offered under the guidelines of the owner/investor? 
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 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
The last complaint filed indicated they sent a letter to their agency to cease and desist, which is a lie. This company continues to harass me and filed a law suite without notifying me, and send a letter to my employer which caused me to be fired from my employer. Also, on my credit report its showing the account open and theyre reporting as if I still have an open account and possession of the vehicle. Theyre reporting to the credit bureau Im behind on my monthly payment. I do not have an agreement with TD Auto Finance & Im not behind on any payments. This car was sold per the blue book worth at auction for {$10000.00} and they didnt refund the warranty and gap insurance payments on the loan. They also applied additional credits, and did not include payments I made made prior to the repossession. Its showing I owe over {$28000.00} in which Im not going to pay because they have been paid for the car. This company has continued to harass me since XXXX, even more since XXXX ; desecrating my character and causes me to be fired from my job, and has repeatedly harassed me throughout the pandemic & currently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TRANSUNION was sent an affidavit regarding notice of violations on XX/XX/2022 via certified mail. I'm showing that they received the affidavit on XX/XX/2022. They were instructed to respond within 5 days if receiving the affidavit to respond. A reasonable amount of time has passed with no acknowledgement on their behalf. Once again my attempt to resolve all of my issues with TRANSUNION have gone unanswered. According to the law TRANSUNION is now bound by the contents of the affidavit due to lack of response. All violations are punishable in the amount of {$1000.00} pursuant 15 USC 1681n and 1681o. Tracking number XXXX XXXX XXXX XXXX XXXX shows proof of delivery on XX/XX/2022.

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