vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was involved in a scam ring at my job. There where several phones and log in information stolen from work computers/tablets which then was sold to thieves. I filled a police report and notified Bank of America and they did an initial investigation, but after the 10 days they said they didnt find any wrong doing and took back my provisional credit. Now my account is negative almost {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 602A section 2 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
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state 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 2022-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IA

Complaint narrative:
CFPB addressed this bank for me once already and the issue was resolved. BUT the bank did the exact same fraudulent unauthorized transaction and fraudulent overdrafts immediately after CFPB resolved issue. When I attempted to report this XXXX action of fraud, I was refused and my complaint was titled duplicate complaint. And that is not true. And now the overdraft fraudulent charges are exceeding {$140.00} and XXXXXXXX XXXX  had sent it to XXXX different collection agencies. I reported the first agency to CFPB and the affect immediately withdrew as collector for XXXXXXXX XXXX. I haven't filed complaint against Monarch XXXX XXXX because I want this taken care of in full. Starting with 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 2022-03-30 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: MD

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint without any influence from any 3rd party or agency. Please see attached documents and ID as it contains my full complaint request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: MS

Complaint narrative:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 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 2022-03-30 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: MS

Complaint narrative:
On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 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 2022-03-30 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: MD

Complaint narrative:
There are unauthorized inquiries on my Equifax credit report. Situation was brought to credit bureaus attention with no resolve. My consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My account information was stolen and checks deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Avant Credit Card has reported this account as Charged Off repeatedly since 2020. Per the FCRA, an account can only be charged once and reported once. Also, in XXXX of this year, Avant reported a late payment. A closed and Charged off account can not report a late payment, as the account is " dead ''. I attempted to resolve the issue with XXXX, but received a letter that the account would simply update as closed and the issue was resolved. I then sent an email to Avant, attempting to resolve the issue, but I did not receive a response. I have tried for 3 months to resolve. This has caused my home closing to be delayed twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Investigation took more than 30 days
Company: EdFinancial Services
State: PA

Complaint narrative:
Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I have just received a 30 day late payment on my XXXX XXXX XXXX XXXX XXXX ( ending XXXX ). Ive had this card in good standing and great payment history since I opened it back in 2017. At the being of this year, my entire family had XXXX. My wife and I were off from work for 14 days and while we were XXXX ourselves back to health, we also were taken care of our kids who all got sick including our XXXX XXXX XXXX daughter. Once we went back to work, it was weeks before Short term XXXX paid us 60 % of what we would have made. I spent most of XXXX working overtime to recoup what we lost. We had the funds to make a payment, but somehow between my wife and I, our XXXX card got over looked. 

XXXX called or contact to inform us of our payment status. We called as soon as we saw the alert to our credit. Both of us assumed the other had taken care of the payment because we never received a letter or email or text or call saying that we were late, let alone close to 30 day lates. We have since paid off the card making our balance zero. And have ask the internal credit reporting department for help removing the late payment. They have tried to do so, but explain that without permission to change reporting from higher up in the company, they could only change report for XXXX errors. One man we spoke to was frustrated for us, he said if we actually did have XXXX we would have been able to get a 30 day skip payment. The last woman I spoke advised me that there was nothing that she could do. But suggested writing into her higher ups and explains our situation. 

Which I did, I was told that they would not remove the late payment. But then a week later the late payment we removed from all three major credit bureaus. And then two days ago, the late payment was re-added. I have attached a copy of my XXXX test results, a copy of my XXXX account history with this XXXX card XXXX A screen shot of the lat payment coming off of my report. And a copy of my phone records. Showing that the entire month of XXXX and XXXX we had no contact from XXXX that the account might be late. If you need anymore information please feel free to call XXXX or email my back at 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 non-monetary relief
Consumer complaint received 2022-03-30 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: NJ

Complaint narrative:
I, XXXX XXXX, am a victim of IDENTITY THEFT. Please remove charges on XXXX XXXX acc XXXX and XXXX new checking account in the amount of XXXX. Remove unauthorized hard inquiries from XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and all XXXX XXXX of XXXX, XXXX, and XXXX LOANS . Remove email XXXX, and XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as previous addresses. Remove XXXX XXXX XXXX previous employment and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX as previous phone numbers. Immediately remove and permanently delete all above fraudulent and/or inaccurate data listed above from my report and respond in writing confirming deletions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
mortgage company has not paid my county taxes from my escrow account ... .they are 6 months late and today is the last day before my property will be advertised for sale for a tax lein.taxes were due 6 months ago XX/XX/XXXX... XXXX faxed them an extra copy of my tax bill.on XX/XX/XXXX i got a notice from XXXX XXXX XXXX XXXX office that my taxes were not paid and would be advertised for a tax lein sale if not paid by XXXX called my mortgage company ... PHH..on XX/XX/XXXX about the matter and was told they would take care of it.Since XX/XX/XXXX I have called them 26 times about this matter only to be put on hold or " wait 3 more days '', or was transferred to other places ... XXXX, Alaska, and the Phillippines XXXX ..with no resolution ... .i am now within 20 minutes of the deadline at the tax office and no resolution, no answer from PHH ... ... .I am not late on my mortgage payments, how are they allowed to be so late on payment from my escrow account ... ..i am begining to think these people are scammers... they should be barred from doing business in this country ... ... .i am beyond mad!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: U.S. BANCORP
State: AZ

Complaint narrative:
In late XXXX, I paid off our US Bank credit card ending in XXXX. The account was at a {$0.00} balance. In the summer of XXXX, as I was reviewing my credit report, I saw the delinquency being reported for this card and I called immediately to find out what was going on. I learned that there had been a charge for a XXXX account, originating in the XXXX ( if I remember the country correctly ), for {$15.00}. Apparently, XXXX had flagged the account as being fraudulent, as there were no subsequent charges for this recurring streaming service, but despite their noting this to be a fraudulent charge, US Bank did not reverse it and then allowed it to incur interest, late fees, etc. In working with US Bank, they immediately but provisionally reversed the XXXX charge on XX/XX/XXXX and after investigating, made the reversal of the charge permanent on XX/XX/XXXX. On XX/XX/XXXX, they reversed all late interest and late fees, as they recognized I had a XXXX balance on the account prior to the fraudulent XXXX charge, and because I had excellent account history with them. Those reversals were permanent as of XX/XX/XXXX. As of the XX/XX/XXXX statement, the account had a XXXX balance. In conjunction with these reversals, US Bank agreed to update the credit reports of all 3 credit bureaus. However, this has not happened and US Bank is still reporting that I was more than 90 days passed due in XX/XX/XXXX and then again in XX/XX/XXXX - months after they corrected the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've had multiple hard credit inquiries titled 'Capital One Bank , USA ' not made by me. I also have an XXXX account which I did not create

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state 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 2022-03-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violate my rights.

15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : .Repossession : XXXX XXXXXXXX XXXX XXXX Balance : {$7900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I requested complete validation of the alleged debt. The letter I received from the collection agency did not include any information which validated the debt. 

I asked for : A detailed breakdown of any fees including all collection costs and medical charges as well as a copy of my signature with the provider of service to release my medical information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: APPLE RECOVERY SERVICES CORP
State: NC

Complaint narrative:
I received a letter from Apple Recovery Services, XXXX XXXX XXXX, XXXX XXXX, IL XXXX on XX/XX/2022. They state in that letter I have to pay them over {$2600.00} for a debt I allegedly have with XXXX XXXX  XXXX XXXX XXXX. The truth of the matter is that I have never had a credit card with XXXX ever. I went into my credit history with all three of our major Credit Bureau 's to find that such a debt does not even exist nor does an account with XXXX XXXX  XXXX XXXX XXXX has ever been opened under my name for that matter. Apple Recovery Services is clearly a SCAM. - Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XX/XX/2022 my mortgage was purchased by Mr.Cooper. I typically pay my mortgage in XXXX partial payments. My XX/XX/2022 payment was the first payment to go directly to Mr. Cooper. I paid as typical. in XXXX partial payments, which was never an issue with my previous company. Mr. Coppers website and app has partial payments as an option. I was charged a fee in XXXX because according to Mr. Cooper although my payment ( and additional {$150.00} in principal I paid ) went towards an unapplied funds account. I called Mr. Copper 14 times and couldnt get through on their phone system. I emailed the company three times and received no response. I had to take a day off of work, to stay on hold for 2 hours in order to speak to someone from Mr. Cooper. Finally Mr. Cooper reversed the fee, and applied the funds correctly- BUT Mr. Cooper reported to credit companies that I did not pay my mortgage AND they placed my additional principal payment of {$150.00} towards a forbearance payment. I have never ever been late with a mortgage payment, and have excellent credit. I want this company to be addressed for reporting false information about me to the credit companies. Furthermore, Mr. Cooper does not answer their phones for hours and never reply to written inquiries or requests. The representative I spoke with stated he submitted an investigation request. It has been two weeks, and I still have no response from the company. I was only able to reach a representative after 14 prior attempts to call them. I was unable to wait on hold longer than 1 hour those 14 times. I had to take a day off to wait on hold for 2 hours to speak to a representative. These are poor business practices and failure to respond to written complaints, in addition to reporting false information.

Company response to consumer: Closed with explanation