vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CADENCE BANK
State: MS

Complaint narrative:
As a couple my spouse and I purchased a house. He is on the mortgage, and I am on the XXXX Deed, therefore, I own half the property. We have been divorced for XXXX years and under court order he was to make the house payments and utilities until the house sold. The house has not sold. XX/XX/2021 was the last payment he made on the mortgage. I was in the hospital for 40 days and did not know until I was released that he stopped making house payments and utilities. The mortgage company will not give me any information because I am not on the mortgage and I was told I could not purchase the house because I already own it! They will not tell me how much time I have before having to remove myself and my belongings from the house. They will not work with me on a forbearance or give me time to try to sell the house before foreclosure. I have made XXXX payments, which they accepted and ran through my bank account, but I can not afford to keep doing this. I am XXXX XXXX XXXX and only draw {$810.00} in social security benefits per month after XXXX supplement is deducted. I can not find anything to rent or purchase that I can afford and there are waiting lines for assisted housing. I am going to be living in my car! I need help! I am XXXX due to XXXX, XXXX and XXXX resulting from the XXXX of my son. I am unable to work for any substantial or scheduled amount of time. I feel the bank is discriminating against me since I own half the house, but can not get any help or information from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following account has violated my rights XXXX XXXX XXXX XXXX During the pandemic I got into some financial trouble since I had an unexpected lose in pay and was given a lower payment arrangement to help me until I can regain my finances I met every required payment with them, and they still reported my payments negatively as not paid as agreed. Prior to this situation I had never missed a payment and was always on time. It's not fair that my credit bureau has been affected as a result of a situation that was not my fault and I met the payment requirements they put in place. I did try and call them and was advised there is nothing they can do to assist me. I really don't feel that offering a payment arrangement so I can catch up and then still reporting me as not paid as agreed is a fair option, and it doesn't help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: FL

Complaint narrative:
N 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 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 2022-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC.
State: AZ

Complaint narrative:
I was conditionally approved on a XXXX loan to refinance my existing loans and other debts, but the underwriting department dragged its feet and went past the first lock period, they then informed me that they would extend the rate lock period but they did not actually extend it as they informed me a few days later that the extension had expired and that they could no longer extend the rate or honor the original rate. I believe this is a clear case of greed and incompetence, especially since my original 45-day rate lock-in was at 2.75 % on XX/XX/XXXX, XX/XX/XXXX was the XXXX day at which time I was offered an additional 10-day. On XX/XX/XXXX just three days later I received an email from my Mtg Banker, informing me that they would not honor the rate lock and tried to bump me up to the following rates by paying additional fees : 4.00 % at XXXX XXXX or {$10000.00} XXXX of {$1900.00} 4.250 % at XXXX XXXX {$3100.00} 4.625 % at XXXX XXXX {$510.00} After learning of this I told them that they were unethical and that I would be filing a complaint against their firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is ( XXXX XXXX ) I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my consumer report. 

XXXX, Equifax, XXXX, XXXX and XXXX XXXX broke the law in accordance with 15 U.S.C 1681a ( e ). Bankruptcy information is excluded from consumer reports pursuant to 15 U.S.C 1681c. I have the right to privacy of non-public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I'm exercising that right demanding the each CRA mentioned above permanently remove the bankruptcy from my nonpublic information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: MO

Complaint narrative:
By the use of MALPRACTICE I have been subject to VIOLATIONS OF THE FCRA by your company. 

As a RESULT I have experienced FINANCIAL INJURY, DEFAMATION OF CHARACTER, JOB DENIAL, CREDIT DENIAL as well as GOVERNMENT ASSISTANCE DENIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I Response to The dispute I Sent out XX/XX/2022. World Finance Hasnt Showed Proof that The Alleged Accounts/Transactions Dont Qualify! Which is False. They still havent shown anything that I Gave them Permission To Report My Nonpublic Information To an non-Affiliated Third Party. Thats identity Theft! Do they know how the FCRA Works and who it protects Im an Natural Person Im an consumer! Your company is in Violation of 15 USC 1692f and its Subsections.

Who are they to tell me their going to keep reporting Fraudulent information accounts will continue to be furnished to the credit reporting agencies ( Agencies ) for a total of seven years from the date of first delinquency per our obligation under the Fair Credit Reporting Act ( FCRA ) If its and obligation then why are you reporting False and Inaccurate information which I dont consent nor give permissible Purpose. Saying that I Allegedly owe is Very deceptive per 15 USC 1692j. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

I still havent been shown any Proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: VA

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 U.S.C1681 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: VA

Complaint narrative:
In Accordance with the fair credit Reporting act XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 15 U.S.C1681 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 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 2022-05-06 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:
In accordance with the Fair Credit Reporting act the Accounts XXXX XXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXXXXXX XXXX # XXXX XXXX they are reporting to Transunion and 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

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 2022-05-06 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:
In accordance with the Fair Credit Reporting act the Accounts XXXX  XXXX bankruptcy accounts # XXXX This account is reporting to all three bureaus, XXXX XXXX ACCOUNT # XXXXand XXXX they are reporting to XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good Evening, I'm reaching out to you to write a complaint regarding my newly opened account at the City Bank located in XXXX XXXX, NY. 

My account number is XXXX XXXX XXXX and I've been trying to reach my local executive for weeks now, with no answer. I set up the account on XXXX with a man named XXXX XXXX, and even tough he helped me a lot during the set up, to this day I still haven't received my debit card. I tried to reach him several times trough email requesting a new debit card to be sent, and I still haven't heard from him. 

I need to request a new debit card to be sent to my mailing address located at XXXX XXXX XXXX, XXXX  XXXX, XXXX, NY XXXX. It should be the same address on file.

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 2022-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent numerous letters for the last 4 months regarding the late payments on my credit report and how they are inaccurate and not reporting correctly. I have asked that these late payments be DELETED if not verified. I have got no responds from either credit bureau regarding my dispute letters. FCRA states the credit bureaus and creditors has 30 days to respond to all disputes, If they do not respond or can not verify then the item needs to be DELETED asap. 

Items are listed below : XXXX : Account number : XXXX, Deletethe late payment dated ( XXXX XXXX XXXX XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days. Account number : XXXX, Deletethe late payment dated ( XX/XX/XXXX, XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX, XXXXdoes not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.XXXX : Account number : XXXX, I was never late. Repair this account within 30 daysXXXX XXXX. : Account number : XXXX, I was never late. 

XXXX Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated XXXX XXXXdoes not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate PaymentDated ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law. 

XXXX XXXX XXXX : Account number : XXXX, I was never late. Repair this account within 30 days.Deletethe late payment dated ( XX/XX/XXXX ) because the late payment never happened.Under Section 1681 FCRA thisLate Payment ( XX/XX/XXXX ) does not match my records nor the original creditors records to what reflects on my credit report, there-fore this itemMUSTbedeletedunder this law.

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 2022-05-06 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX, REPORTING TO TRANSUNION AND XXXX XXXX XXXX XXXX ( Original Creditor : XXXX 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 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 2022-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Hello! I am complaining about SYNCB TJX CO PLCC. I have been making payments to TJ Max rewards. Two of my payments were rejected because of insufficient funds. I reported my debt card stolen at the time. As of yesterday XX/XX/XXXX I saw on credit karma that synchrony closed my account without my permission. I called XX/XX/XXXX XXXX and the lady told me that they closed my account because I had two payments rejected. She told me that even if I was to pay credit card that they could not reopen my account and that if I was interested in getting another card with them that Id have to start the process over, but I would still have access to my closed account with the balance {$460.00} to pay off. I called XXXX XXXX and filed a dispute.

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 2022-05-06 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: GA

Complaint narrative:
Requesting 30 day late payment removal under the CARES Act. 

On XX/XX/XXXX, at XXXX I spoke to a TD AUTO FINANCE rep who confirmed they made an accommodation on XX/XX/2021 to waive my late fee of {$18.00} for my 30 day late payment for XX/XX/2021, Because TD auto finance gave me an accommodation, under the CARES Act they are no longer able to report my account late on my credit report. I explained to the rep but she informed me that she was unable to do so.I would like my TD Auto finance 30 day late payment to be reported on time instead of late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX  Account XXXX  XXXX # XXXX, Account Portfolio XXXX # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXXXXXXXXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 2022-05-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX  Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 2022-05-06 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: SC

Complaint narrative:
In accordance with the fair credit Reporting act US DEPT ED Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, Account # XXXX, PXXXX XXXX  Account # XXXX, 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 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 2022-05-06 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX/dept of Ed XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, child support enforcement XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-05-06 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX/dept of Ed XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, child support enforcement XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation