vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good Afternoon, Today I noticed that chase Bank pulled my credit without my approval. I didn't give any authorization for chase to pull my credit and I have no chase products. XX/XX/2022 is the day my credit was pulled. Please investigate, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Follow up Shellpoint replied letter dated on XX/XX/2022. Attached please find the posting date from XXXX XXXX Bank, receipt record, it showed that the fund of {$3000.00} had been deposited to Shellpoint company s bank account. 

Due to the time essential, and I am still waiting for the final re-finance closing date for the payoff from my lender. Since, I have paid off the {$3000.00} for the P/I payment on XX/XX/2022. 

At your convenience, I requested Shellpoint to make the adjustment and extend the final payoff date to end of XX/XX/2022. If they have any concerns, please contact me at XXXX XXXX XXXX my email : XXXX. 

Please acknowledge receipt of this letter/email and the payment of {$3000.00} Your prompt response will be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Brown’s New Credit Bureau Inc.
State: AZ

Complaint narrative:
I received a letter again from Browns Collection in regards the following accounts, I have written Browns Collection various amount of times in regards these accounts asking them for verification of accounts I have requested what type of service was given to me and asked them no to violate my rights based of XXXX XXXX and FAIR CREDIT REPORTING ACT I have not receive a response in over XXXX days and now they are sending threats that they would send to an attorney and damage my credit XXXX {$3100.00} XXXX {$510.00} XXXX {$510.00} XXXX {$730.00} XXXX {$58.00} XXXX {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been calling and requesting XXXX to delete these inquiries and they arent event willing to look into it. I am unfamiliar with and they refuse to delete. Please delete these inquiries. 

XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXXXX/XX/22 XXXX XX/XX/22 XXXX  hotel and travel XX/XX/22

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 2022-05-02 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: JPMORGAN CHASE & CO.
State: CT

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The date i discovered these accounts was on XX/XX/2021. I never opened these accounts nor i ever signed anything with these accounts. 

I had left my purse in a bar at a restroom. when i tried going back for my purse it as gone with all my personal belongings. 

-Bank of America XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-05-02 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: TX

Complaint narrative:
I am disputing fraudulent information that you are reporting on my credit reports. I ask that you take this complaint seriously and delete the information that is included in the attached document immediately.

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 2022-05-02 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: TX

Complaint narrative:
I am disputing fraudulent information that you are reporting on my credit reports. I ask that you take this complaint seriously and delete the information that is included in the attached document immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Date : XX/XX/2022 Bank of America Acount Ending in XXXX Case Ref Number XXXX My name, we've made the decision to close your deposit account ending in XXXX because we're unable to verify your identy.

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 2022-05-02 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: The Phoenix Recovery Group
State: NC

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

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I had a loans transfer to another company XXXX XXXX XXXX. They kept old info on my report. I called them in XX/XX/2022 to rectify. Nothing was done. I did not have late payments to this loan. Only because of covid 19 and transfer of this account did these payments stop. account # XXXX amounts {$1800.00} and {$1000.00} In accordance with the fair credit Reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 Section 2 : 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 an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/XXXX This complaint is with Barclays XXXX credit card. 
On XX/XX/XXXX, I was talked into purchasing a vacation club through XXXX XXXX in XXXX XXXX XXXX. What they sold me were several items that I found to be untrue after I received my club login a month later. The contract does state that its non-cancellable but I did not receive what they sold me. 
XXXX asked for my permission to run my credit so they could preapprove me for their in-house financing. I later found out that it was not in-house financing. It was an application to a Barclays XXXX credit card ( which has caused my credit score to decrease ). 
When I realized that I was not going to receive the items XXXX  ( XXXX XXXX  ) sold me, I disputed the {$3900.00} charge with Barclays XXXX. This was on XX/XX/XXXX. It took Barclays over FIVE MONTHS to update me with a dispute status. Attached is a copy of their response. Barclays claims that I indicated that I wanted to work with the merchant. This could not be further from the truth. I had told Barclays that I did try to work with the merchant BEFORE I disputed the charge and XXXX would not budge. Barclays was unable to tell me when or to who I supposedly told this to. She said it was an error and that I had to send all documentation back in to re-open the dispute. I confirmed today that they received my documents a week ago but it was still sitting on their desk and has not been reopened yet. The rep said he would escalate. At this point, I have no confidence that they will actually follow through. 
Arent there laws in place that only allow a specific time period for the merchant to respond to a dispute and if they dont then the credit card company is supposed to charge back to the merchant?? 
Evidently, Barclays XXXX has a direct relationship with XXXX to quietly open credit cards. 
I just want my {$3900.00} refunded. XXXX and XXXX can work out the details between them. 
My Barclays acct number is XXXX XXXX XXXX XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of XXXX  Department of Licensing. That my personal information including SSN, ID, Address, email, full name, date of birth. XXXX exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report from the city of XXXX XXXX. Now this account is showing on my XXXX credit reports agencies XXXX, XXXX and XXXX, XXXX months ago and it was place back on my credit report. I have disputed this account XXXX times now, is not my account this a fraud open in the middle of the pandemic. I have requested TOYOTA MOTOR CREDIT to please provide proof of me giving then my signature for this Loan. My request is for XXXX, XXXX and XXXX to delete this account XXXX and for all from my credit report. TOYOTA MOTOR CREDIT # XXXX Date Opened : XXXX XX/XX/XXXX Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : $ {$51000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Millco Management
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, AMERIFINANCIAL SOLUTIONS has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
CFPB Wells Fargo is refusing to answer what it did with the loan payoff I sent. 

The payoff was't sent back or applied. 
What did Wells Fargo do with it? 

The loan holder couldn't make Wells Fargo apply the payoff. The loan holder couldn't make Wells Fargo send the payoff back. 

Wells Fargo saw the payoff amount & decided to keep it. The loan holder couldn't make the bank be honest. 

Wells Fargo has had all the information to look into all this since XXXX. 

Before I sent the payoff I signed it in front of law enforcement & had them keep a copy.

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 2022-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I received a letter from Nelnet stating my student loan was delinquent back in XX/XX/2021. I called Nelnet to figure out what was going on because Student Loans were on deferment due to the XXXX XXXX. I requested a forbearance for XXXX days while I wait for the paper work to place the loan back in deferment. While waiting on the paper work, my account was reported to the Credit Bureaus as delinquent XXXX days past due. I called Nelnet to see how this could happen when I requested the forbearance for XXXX days and was waiting on the Income Repayment Plan paper work. No explanation given and knocked my XXXX XXXX down XXXX points with each credit reporting agency. Talk to a rep at Nelnet to see why the Student Loans were excluded from deferment when it's not a private loan and why it was reporting delinquent during the Pandemic. Got nothing resolved with Nelnet. Disputed this delinquent status with all three bureaus and it still remains on my credit report as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: CA

Complaint narrative:
I was offered a XXXX based forbearance and then later loan modification by my my mortgage servicer XXXX XXXX XXXX 

During the trial period XXXX XXXX sold/transferred my loan to Shellpoint Mortgage LLC . Shellpoint Mortgage LLC. 

Shellpoint Morgage LLC. accepted my trial loan payments and I was able to get a loan modification. 

During this time I made all of my loan payments on time and even XXXX months in advance of when they were due per Shellpoint Mortgage LLC monthly statements. 

Part of the promise made by XXXX XXXX was that once the trial period ends and provided that the loan payments are all made in a timely manner no negative credit reporting would be made to the credit bureaus and any negative reporting would be removed. 

After the trial period was completed and loan modification was entered into on a permanent basis. Shellpoint Mortgage LLC went ahead and provided false negative information to the credit bureaus. 

When I asked them to remove this information they told me they would not even though this is in violation of my agreement. To this day they refuse to correct this information even though they can not proffer any information regarding any delinquencies on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
Summary : Rocket Mortgage promised they would be able to match a competitors quote for a mortgage loan, and over the course of several weeks transferred me between different brokers at the company without making good on their promise, to run out the clock before the Settlement/Closing Date so that I wouldn't switch lenders. At the last minute Rocket denied my request to match the competitors quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a letter from Discover for my account being closed for any of these XXXX reasons per the companies letter. 
Your discover card account has been inactive for XXXX months or longer and/or account has been closed. 
I called customer service about XXXX weeks ago they were basing everything around XXXX. When the last purchase I did was in XX/XX/XXXX. About less than XXXX  months the account was closed due to inactivity. Today I reached out to their account review department, where they state that after XXXX months of inactivity they can close the accounts. Issue with this, hits my credit for no reason and I never received a warning my account would be closed due to inactivity. Tried talking to XXXX at the Account XXXX department to try to get my original credit line to just getting the same speech of the account being closed after XXXX months even though their letter to me stated XXXX months or longer. I tried applying to get a new credit card but the limit is only XXXX when I originally had {$8500.00}. I cant get an increase because of insufficient experience with current discover credit limit. This is based on the {$3000.00} credit card, not on my previous experience with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
Freedom Mortgage keeps charging me late fees even though they are receiving my payment within the contractual grace period. I am not the only one. I was in line at the post office and asked why my payment took from the XXXX of XX/XX/2022 to arrive until after the XXXX of the month, when payments to states further away are received by mail in 3 day with another company. 
The post office advised me that this is not true. 
Freedom Mortgage has done this to me several times, AFTER I advided tham that I do not want to be on their calls and advertising lists for them and their affiliates. I think these charges are fraudulent, should be investigated and collected for a class action lawsuit!!!

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 2022-05-02 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Can XXXX, XXXX XXXX XXXX  XXXX, XXXX 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

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 2022-05-02 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:
I have unauthorized inquiries on my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: VA

Complaint narrative:
XXXX XXXX, 2022, A fraudulent unauthorized hard inquiry from XXXX XXXX XXXX Bank was reported on my Transunion Credit report.

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