vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a mortgage with citizens bank, back in XXXX of 2020 had a call from citizens saying that COVID is affecting many businesses if there is anything they could do to help. I said if they could do anything let me know. Nothing happened, no calls, until a couple months later. I have 1 mortgage # XXXX it's a rental property and I have an account just for the purpose of I collect the rent and it's on auto withdrawal for the last 12 years. I don't check it often and after 2 months I realized they stopped taking the money out so I assumed I was given a forebearance. Next thing I know my credit score dropped, I received a letter from citizens saying I can't use my lines of credit for my business because of my credit rating. So I made an appointment with my bank XXXX at XXXX XXXX XXXX XXXX Pa XXXX. She contacted citizens mortgage and he said he would straighten it out. And he would set me up with a loan modification. I waited for paperwork after 2 months went to bank and XXXX recommended I make payments so I call in every month since and make a payment ( I have documents to prove this. So I get a call from citizens notary they have paperwork for me to sign about loan modification, it has my father 's name on it and he's been dead for several years, they have gotten several death certificates and they made me payoff a XXXX line of credit he had. So paperwork couldn't be signed. Months went called about signing paperwork brought it to me with my father on it. So it couldn't be signed again. Then I get a letter from a lawyer saying they are going to foreclosure the property. I called in frantic and they said it was because I didn't sign the paperwork in a 12 month period. But it was because the paperwork was wrong. So they said they would send me a new application I never received it. So I continued to make payments now they stopped accepting my payment. Which means they're going to try to take this property. They stopped taking the payment, they also never got the paperwork correct, they killed my credit, they did give me a forebearance for 18 months so I don't know why any of this is happening Doesn't a forebearance mean the payment gets put on the end of the mortgage, citizens says when is over you all payments immediately. I never received paperwork for forebearance or was ever told how it works The loan modification they are offering me is at a slightly lower interest rate, but makes it a 30 year mortgage when I've already payed 12 years. I've tried to contact them and get nowhere. I tried to get another mortgage and pay them off but I can't because they are sending to the credit agency that I haven't made a payment in over a year which isn't true I have my bank statements to prove it. Please help me if you can, I have called many people looking for help. And I was referred to you. My email is XXXX or business # XXXX XXXX XXXX or cell XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/2022, I applied for a Discover card and was approved with a {$2000.00} limit. 
On XX/XX/2022, Discover sent me a strange email requesting a copy of my tax returns. 
I called Discover and asked why they need my tax returns for a credit card with only a {$2000.00} line of credit - I asked if this was a standard procedure with all applicants and the Discover agent said it was a standard procedure. 
I do not believe Discover requested my tax returns as part of a standard procedure they do with all applicants. I believe Discover asked for my tax returns for either discriminating reasons or to Obtain more personal information on me which they turn around and sell to data collections companies for more profit. 
I believe anyone reading this will agree with me that it is NOT a standard procedure for Discover to request an individual 's tax returns days AFTER they have been approved for a line of credit. 

I asked discover this question on XX/XX/2022 complaint # XXXX and their response did NOT answer my question instead they provided the following vague response.. Discover card conducts regular reviews to evaluate our customers accounts. As such, your account is currently involved in a regular review. Our records confirm that an email was sent to your email address of record on XX/XX/2022, advising of this process, and the email provided you with the next steps to complete the verification. 

Let me get as specific as I possibly can : Does Discover ALWAYS conduct a regular review on all individual applicants just days after they have been approved? 
Does Discover Demand an approved applicant to provide them with their tax returns on lines of credit under {$3000.00} every time or most of the time? 
Does Discover have information on me which provides them with my XXXX or XXXX of my skin? 

Discovers actions have harmed my credit by adding account closed by grantor by the inquiry they placed on my credit report and by takig away my line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 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 2022-09-30 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: PA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-30 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: DE

Complaint narrative:
EXPERIAN has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report XXXX XXXX XXXX has failed to provide proof of any contracts bearing my signature as well as EXPERIAN has failed and violated the law and my rights to update account status to investigation status 1 ) XXXX XXXX XXXX acct # XXXX -- -remove acct inaccurate reporting 2 ) XXXXXXXX XXXX acct # XXXX -remove acct inaccurate reporting 3 ) XXXX XXXX XXXX auto pay never been late please correct In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 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 2022-09-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-30 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: MS

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be removed according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had a regions card account and was registered with overdraft protection. At the time there were lots of transactions that never were taken out, until sometimes 30 days later, causing me to be in the negatives numerous times.

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 2022-09-30 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: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX 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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Navy Federal took all the money I had left in my checking account without authorization and put it on my credit card for the 2nd time now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30 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:
EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX XXXX  # Account no. ( XXXX ( OPENED DATE : XX/XX/2021 ( CREDIT LIMIT {$5000.00}, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

ATTACHEMENT : YOU WILL FIND WHAT IS REPORTINGN ON MY EXPERIAN REPORT VERSUS WHAT THE PAID ITEMS ARE ON THEIR WEBSITE PAYMENT HISTORY, WHICH TOTAL CONTRADICTS THE REPORTING.

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
i had a regions card and was repeatedly charged overdraft fees as well as having money taken from my account on days that were 20 to day days from the original purchase date. I was almost evicted at one point due to XXXX  charges hitting my account at the same time.

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 2022-09-30 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: CA

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

1

5 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer 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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
XX/XX/2022 {$190.00} Payment delinquency notice. ( credit card ) the XX/XX/2022 I received a call from XXXX XXXX Bank " XXXX XXXX ", the message on my voice machine wasn't clear so I call the branch the XXXX and they told me nobody call me. They didn't tried to rich me out. 


XX/XX/2022 I receive a letter " right cure " for miss payment " one credit card. " I contact my personals banker and manager and they told I didn't pay. 

First of all we set up all my payments in " auto-payments '' Secondly I told them when the credit office call ( I didn't know was the credit department ) I call the branch but no one in the branch was able to tell me my due payments. 

Of course I pay my debt, ( It is no the problem ) but they have not right to report on my credit score and lower my credit card limit. They said it's my fault ; it's not because I email back when I received the voice message.

Moreover the manger didn't care when I tried to tell them I file the complain office and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I refinanced my mortgage with Newrez mortgage company in XXXX. They placed the account with shell point mortgage services which is their collection dept. I paid this mortgage off, XX/XX/XXXX. My payments were never delinquent, but because they placed it in the collection department its a negatively impacts my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
XXXX- I spoke to a US Bank XXXX XXXX XXXX Loan specialist to discuss the options that I have due to losing my home with this mortage last year when a car drove threw it on XXXX. This young male representative from XXXX Bank XXXX XXXX not only refused to assist me but was argumentative and denied me any options for mortage assistance.

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 2022-09-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX/XXXX/22 I addressed Experian via their dispute center to dispute late/delinquency payments showing up on my credit report/credit file from over 5 years ago in relation to my student loans. I notified them that the information they have on file is incorrect and requested that they verify the completeness and accuracy of it. Further, I requested that they reinvestigate this information and delete the account immediately. That same day I filed an identity theft report with the FCC because Experian is using my personal information without my explicit written permission, in violation of the Fair Credit Reporting Act ( FCRA ). Without these negative remarks on my file, I would easily be in the highest credit bracket. This is more important to me than ever as my wife and I embark upon parenthood, buying our first home, and starting a new business.

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 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: KY

Complaint narrative:
IN A COMPLAINT REGISTERED WITH CFPB ON XXXX CASE # XXXX REGARDING XXXX COMMUNICATIONS AND CONVERGENT OUTSOURCING, INC, I STATED THAT THIS DEBT WAS NOT OWED ON MY BEHALF 9SEE ATTACHED LETTER ) AND DISPUTED THE DEBT AND I THOUGHT IT WAS ILLEGAL FOR THE 2 COMPANIES TO TRY AND COLLECT THE SAME DEBT. 

ON XX/XX/2022 COVERVERGENT OUTSOURCING STATED IN A RESPONSE TO THE CFPB CLAIM NUMBER XXXX ( ATTACHED ) THAT THEY NO LONGER WERE ATTEMPTING TO COLLECT THE DEBT. 

I RECEIVED ANOTHER LETTER FROM CONVERGENT OUTSOURCING ON XX/XX/2022 ( ATTACHED ) THAT THEY ARE ONCE AGAIN ATTEMPTING TO COLLECT THIS DEBT THAT IS NOT OWED. 

ARE THERE LAWS AGAINST THIS TYPE OF HARASSMENT?

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 2022-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 explanation