vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank in our opinion purposely misled us by placing a hold on the foreclosure processing and offering a new Stand Alone Partial Claim Agreement with a trial period payment plan. This was US Bank written solution to our CFPB Complaint in XX/XX/XXXX. US Bank failed to return the new loan documents to finalize the agreement. They failed to notify us of any new changes or termination of the offer. They failed to notify us that the foreclosure hold was removed and the account is currently in foreclosure proceedings. They failed to inform us of the derogatory marks and remarks US Bank supplied to the credit reporting agencies. They continue to abuse and misuse our available partial claim funds.

After several notices from US Bank informing us about our credit score, we took a look at our credit reports. We chose XXXX since that is the CRA US Bank chose to use. XXXX credit report showed a past due amount of {$17.00}, XXXX and a comment stating, " paying under a partial claim agreement ; 180 days or more past due. '' It gave the appearance that the new partial claim agreement had been approved and the account was brought current with the partial claim funds. We decided to look further and Experian credit report showed " foreclosure proceeding started XXXX, XXXX past due amount {$18000.00} ; account is scheduled to continue on record until XXXX, XXXX. 

We found out that our account was in foreclosure proceedings and the previous hold had been removed by reviewing our credit report. US Bank led us to believe everything was fine. We called US Bank in XXXX, XX/XX/XXXX. Lastly on XX/XX/XXXX when we made our payment it was communicated to us again that the account was still under review by their investors. Needless to say it appears the investors had already made their decision about our account based on the credit reports. What's really mind blogging is nothing was mentioned about the foreclosure proceedings nor termination of the offer when we inquired about the new loan documents.

We do not understand why the US Bank refuses to bring our account current. We have enough partial claim funds available for them to do so. We don't understand the deception. We are first time homeowners, senior citizens, and people of color. We have become distressed over this matter and now we feel like we are being taken advantage of.

This how we found out about the new foreclosure proceedings. The XXXX credit information The account was in forbearance and we were of the understanding that it would not be reported delinquent for the purposes of credit reporting due to COVID-19 effects and after effects.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Hello. My name is XXXX XXXX. I am a customer of BMO Harris Bank N.A . 

XX/XX/XXXX I called the BMO customer service help line and filed XXXX transaction disputes. The XXXX transaction was posted on XX/XX/XXXX in the amount of {$710.00} The XXXX transaction was posted on XX/XX/XXXX in the amount of {$110.00}. Both transactions came from the same merchant. XXXX XXXX hotel. 
The transaction dated the XXXX was from a reservation I made online for a stay at this hotel. Online this hotel states it is 'pet friendly '. 
After making online reservations, once arrived I went into the hotel lobby to check in, all was fine at this point. I verified my card, my id, ECT ECT. As we were about to part ways, I was given the hotel key, the guest service representative realized that I had a cat with me. She stated that that's not allowed. I pointed out the claims states on their website. Nonetheless, she informed me cats are never allowed. Dogs only on a single night basis. She then told me that she would need to cancel my reservations. But assured me the charges would reverse before they finish processing. That never happened. Not only was I not returned the {$710.00} for my online reservation they cancelled. I then find out that another nights charge was posted on my account. When I called with my concerns to this. I was told that I would receive the refunded credit for the cancelled booking however due to cancellation policy I am responsible to provide payment first XXXX nights rent. For cancelling. But I didn't cancel! 
I tried for weeks too work this out with the merchant and had no success. XX/XX/XXXX I contacted BMO and filed the dispute. I called almost daily to receive updates as to this only to be left on hold again and again. 
I am a single mom. {$800.00} is allot of money to lose out on for something that was never recieved. 
BMO informed me today that my claims were denied but could offer me no explanation as to why. So I was put on hold again until ultimately the call was dropped

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 2023-08-14 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
AVANT LLC/WEBBBANK, XXXX and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only response received was Transunion questioning my identity. To date, no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX XXXXXXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. 

This error has damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. This needs to be resolved. According to 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have taken every necessary step to ensure that the credit bureau ( XXXX, XXXX, Equifax ) updates my personal information, yet they have not done so. Not only have I asked them multiple times, I have also followed up with them and provided them with the relevant information. Despite this, they have still failed to make the changes. It is deeply concerning that they have neglected to comply with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have taken every necessary step to ensure that the credit bureau ( Experian, XXXX, XXXX ) updates my personal information, yet they have not done so. Not only have I asked them multiple times, I have also followed up with them and provided them with the relevant information. Despite this, they have still failed to make the changes. It is deeply concerning that they have neglected to comply with the FCRA.

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 2023-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
In XX/XX/2023, I received notification that I was late on a payment which is impossible because I have bill pay through my bank XXXX in the amount of {$1300.00} which was the required amount monthly. They received that amount and did not apply it to my mortgage and instead reported to my credit that I was 30 days late when they had the money in escrow to pay. Spoke with the representatives, & was told that there was an analysis done which resulted in the increase unbeknownst to me. I asked for some grace, seeing that I wasn't notified due to the fact that I am a Service Member who was not home due to the demands of my occupation. They said no. The balance was paid and I was told that my new mortgage payment would now be {$1400.00}. Bill pay in that amount was established and the payments were made. Fast forward to XX/XX/2023, I receive. notification that Carrington once again has reported that I am late, 30 days. As of XXXX, they have been receiving payments in the amount of {$1400.00}, Plus on XX/XX/XXXX, I made a payment in the amount of {$1500.00} per the conversation I had with the representative saying what was due. However, these people still reported my account as being 30 days past due when they had the money and their representative advised me that the new amount that would be due is $ XXXX monthly which is what they receive. Called today XX/XX/XXXX, and was told that they've yet again conducted an escrow analysis which is the second one in a calendar year explaining the increase. And again I was not informed by anyone on their staff. Instead, the representative offered no assistance but insisted that I make the payment today and sign up for bill automatic payments with their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Bright Capital Inc
State: FL

Complaint narrative:
The company is called bright money. They promise to build credit and giving you a consolidation loan at the end of the plan but only recorded my payments for three months. Then after that they just take money out my account without doing anything and sometimes twice a month. Its difficult for me to cancel and withdraw because it says I shouldnt withdraw without paying it in full because it would negatively impact my credit score. In reality the took way more than only three months of payments from my account. Also if I withdraw now I only get {$30.00}. Not all the other payments they took and made disappear. They are called Bright Money. I see on their social media that they do this to plenty other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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:
In Accordance with Fair Credit Reporting act XXXX Formerly 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. 

This company furnished inaccurate information on my credit report. They marked my account as a charge/off cancelled debt but still updating my account as payments are being made. This is a violation. According to the IRS charge/off or closed accounts of {$600.00} or more is considered cancelled debt or forgiven. They must send me a IRS form XXXX  but I still have not received one and they are still in violation of my consumer rights by furnishing inaccurate items on my report without my consent. They have been put on noticed that the information is incorrect and yet they still violated my rights by updating and furnishing this on my consumer profile. Experian has the duty to ensure everything is accurate and if a person has reason to believe that the information is inaccurate by Law they are not allowed to place anything on the consumer report. 

I will be seeking a minimum of {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ), Violation of the Fare Credit Reporting Act including but not limited to section 623-b ) Depending on your response I may be detailing any issues with your company via an online public press release, including documentation of any potential small claims action. CC : Attorney General 's Office CC : XXXX XXXX XXXX 

attached is a copy of my most recent credit report and also a transaction statement where it shows what I paid and this is the information they keep furnishing to Experian however the account is closed/ and charged off therefore they should have sent me a XXXX  form from the IRS XXXX and not report inaccurate information on my consumer 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
Consumer complaint received 2023-08-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-14 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: NJ

Complaint narrative:
Violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed. Invalidated information by XXXX was not removed which constitute fraud under both Federal and State Laws. Due to this fact, negative mark are found on any of my credit reports.

Violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Violation of the Fair Debt Collection Practices Act 15 USC 1692g

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 2023-08-14 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: NJ

Complaint narrative:
Violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed. Invalidated information by XXXX was not removed which constitute fraud under both Federal and State Laws. Due to this fact, negative mark are found on any of my credit reports.

Violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Violation of the Fair Debt Collection Practices Act 15 USC 1692g

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 2023-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX d/b/a brand Mr.Cooper sent house insurance check XXXX XXXX XXXX XXXX XXXX late in XX/XX/2023 instead of XX/XX/2023 and sent me a XXXX check I sent XXXX check back to Mr.Cooper WAS NOT put back in my escrow account now wanting to raise my house payment for lack of funds in escrow account they can't count add or subtract a first grater can figure this out grown adults can't fact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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 have not done business with these companies and now my credit is being affected when looking to buy a home

Company response to consumer: Closed with explanation