vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-04 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 XXXX XXXX, Bank XXXX XXXX XXXX, and XXXX 's XXXX have 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have a standard 30 year mortgage with Citizens. Citizens assumed the mortgage about 1 year ago. I am current on all my payments -- in fact, I regularly pay about XXXX months in advance. 

MY ESCROW ACCOUNT IS SIGNIFICANTLY OVERFUNDED. Despite at least five phone calls to the Citizens escrow department over the period from XXXX to XX/XX/2022, the issue was never resolved. 

The ESCROW STATEMENT sent by Citizens to me ( dated XX/XX/2022 ), has an OBVIOUS ERROR on the table on page XXXX of the statement. The computer or person populating the statement ERRONEOUSLY assumed ( for some obviously wrong or possibly bad faith reason ) that there would be {$0.00} of payments to the escrow account in the ( at the time future ) XX/XX/2022 and XX/XX/2022 periods. The statement therefore ERRONEOUSLY calculates a starting shortfall that needs to be made up with an additional {$150.00} / month top up escrow payment by myself over the coming year. The math is OBVIOUSLY, and simply, wrong but Citizens has never corrected it or generated a new escrow statement. When I made my phone calls to Citizens in XXXX and XXXX, THESE TWO ESCROW PAYMENTS HAD ALREADY BEEN MADE, so I can only assume that the Citizens escrow department is either completely incompetent or acting in bad faith. No one ever responded knowledgably, or helpfully, to my concerns. They either ignored me completely or forwarded me to another phone rep that they indicated -- probably dishonestly -- was a manager. 

Not only should I not be contributing {$150.00} / month additional money into the escrow account, but several thousand $ should be refunded to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: WA

Complaint narrative:
Hello, my name is XXXX XXXX. When I had recently pulled my credit report up, I noticed there was a bankruptcy showing up on my report. I contacted both XXXX XXXX and the bankruptcy court that the bankruptcy is connected to, and they both stated that they do not report to credit bureaus. 

Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX bankruptcy According to 15 US code 1681a ( 4 ) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has had an unfortunate impact on my life and affecting me personally in trying to purchase a home, acquire credit, and receive employment. Also, under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation in not reporting 100 % accurate because it lists the bankruptcy as the furnisher. This is misleading and forgery as I have a letter from the bankruptcy court that says they do not report this type of account. I am urging you to remove this bankruptcy immediately from my credit report so I can provide for my family and improve the quality of life for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX later night ( can be XX/XX/XXXX AM time ) I was working as XXXX XXXX  when XXXX of XXXX  stole my phone where was all my information and all my bank cards. 

I stoped another car and asked to call police for me. they showed up. explained everything and we opened a case. 

XX/XX/XXXX as soon bank opened I went to Bank of America office ( address : XXXX XXXX XXXX  XXXX, NY XXXX ) and spoke to 2 bank employee ( names : XXXX XXXX and XXXX XXXX ). They checked my account and was no any transaction in my account. They told me i was totally fine and i do not need to worry. Right after my visit I got message that money ( approximate {$3000.00} XXXX transaction ) from my account was transferred to someone. 

When I went back to BANK and ask them how that happen. they told me it was done by XXXX transfer and gave me customer service number. i file a claim and received email from them THAT as it was done by XXXX online there is nothing they can do. 

I do not know what to do and who can help me out. as Bank do not take any responsibility even i went and told them to protect me. As per bank employee XXXX XXXX if needed she will confirm everything if needed. 

If needed can get proof from police that i file it rather away. 

Please help. 

Thanks, 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 explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd
State: AZ

Complaint narrative:
Brown & Joseph , LLC sent a letter alleging a balance due to XXXX XXXX XXXX XXXX. " Regretfully you have failed to reply to our repeated request to voluntarily resolve this matter ... .Unless payment in full is secured immediately, our client has requested that we immediately refer this account to the XXXX XXXX XXXX. '' The put a stub to send payment to XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX. This is a ghost debt. Made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I used XXXX loan number XXXX for a purchase made in XXXX of 2021. I never signed up for a credit card via XXXX. This is affecting my credit and the process of me purchasing a house. I am not in agreement of the decision made. Please contact XXXX. If this issue is not resolved I will be contacting the XXXX XXXX XXXX and reporting XXXX. I have never had an issue with XXXX until now and I dont believe I should be held responsible for items already payed for using XXXX as well as being responsible for a card I did not authorize.

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 2022-12-04 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: 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. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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 2022-12-04 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: 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. 

Account name : XXXX  XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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 explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
My complaint is with title max XXXX az XXXX & XXXX school I have had this title loan on my back for XXXX years n the principle never goes down its almost like you have to pay it all back at once the payments mean nothing I pay XXXX a month for a XXXX dollar loan which in XXXX years I have given over XXXX dollars to these people as of right now XX/XX/XXXX my vehicle has been XXXX  in Texas I am here visiting family XXXX they took my truck knowing I have made XXXX years of payments an quickly paid to get my truck back previously meaning the same thing happened on XX/XX/XXXX XXXX XXXX an I had to go thru this process this is sickening how they can get over on people ruin their holidays an the people at the office who I make my payments too every month for XXXX years constantly act as XXXX they dont know who I am every time we speak didnt have the thought to call me XXXX let me know before they decided put in for XXXX this is crazy my truck is a XXXX XXXX XXXX for me to over pay this much something has to be done it has to be something I can do an on top of recent repo I lost my job Cuzz the XXXX company says I have to wait till mon to retrieve my truck due to so many XXXX  in Texas so Im stuck paying a hotel room till Monday at XXXX thats when they say I can have my truck back after I have already paid in full Friday this is not what a loan company should be able to do to someone thats actually paying for something I needed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This happened XX/XX/2022, I was selling an item in XXXX XXXX & was scammed by the customer who was buying the item from XXXX, saying that my account needed to be a business account in order to make the transaction, they provided bank statements & emails that looked real to make it seem it was the bank, so {$250.00} were sent to the customer by me as per the emails I received from my bank but wasnt my bank, this all seemed so real that I did think it was my bank making these transactions. I need help getting back the {$250.00} as my bank has done nothing to help me.

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 2022-12-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am in the process of buying a house, a credit report from my mortgage broker was given to me. This account does not belong to me. This account is having a negative impact on my life and is effecting my ability to purchase a house. I do not know how this account was put on my credit.

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 2022-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States 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 2022-12-04 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse 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 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 explanation
Consumer complaint received 2022-12-04 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following information items. Any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a 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 explanation
Consumer complaint received 2022-12-04 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: CA

Complaint narrative:
This complaint is from me a human person XXXX XXXX not a company or any other thing like that this is a formal complaint i used the templates provided by the ftc. I submitted a identity theft affidavit to the credit bureaus asking them to remove accounts that are identity theft, its my understanding that per the fair credit reporting act they have XXXX days from the date of receiving those letters to remove those accounts.

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 2022-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I noticed a few remarks on my credit report that is severely holding back my ability to be financially stable. I believe these accounts I have listed below are inaccurately reporting. According to my FCRA rights I have the right to dispute anything if I believe its inaccurate. I have listed the accounts and the issues i see with them below XXXX XXXX  XXXX False 30 day late pay reporting Date Last Active XXXX : XX/XX/2022 Transunion : XX/XX/2022 XXXX XXXX XXXXXXXX Account falsely reporting to transunion I have attached my ID and proof of address to get this resolved without any issues

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 2022-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
On XXXX XXXX I received a notice of default letter from Fay Servicing LLC with a date on the letter of XXXX XXXX. XXXX days after that a certified letter of the same was put in my mailbox where no signature was even required. The letter is attached in this complaint. I also want to mention the investor of this loan is XXXX and I think they need to know about this as well. 

I was on a previous payment plan paying an astronomical amount of {$5500.00} a month. The plan was for 5 months. The last payment put me in default due to circumstances beyond my control. I never missed one payment over the 4 months. 

I have been trying to contact the account manager- XXXX XXXX XXXX assist in this matter because I am suffering a hardship ( loss of income due to XXXX XXXX ), current law suit from hospital requesting garnishment of wages, and emergency home repair where a furnace needed to be purchased ) All happening in the months of XXXX. I have been sending emails and phone calls with no call or email returned. The back of the default letter page XXXX of XXXX states " WE ARE INTERESTED IN WORKING WITH YOU ..... ''. This could not be further from the truth. I believe they are trying to take my home that I have been in for over 16 years. I WANT TO KEEP MY HOUSE I HAVE NO WHERE TO GO!!!! PLEASE GIVE ME A FINAL OPPORTUNITY!!!! 

While other representatives have answered they are either rude or giving misinformation, threatening ME WITH FORECLOSURE or plain just don't know what they are talking about. That is the purpose of speaking to the account manager. My questions are not addressed to my satisfaction. I DO NOT QUALIFY FOR STATE ASSISTANCE IN MICHIGAN. 

I also sought assistance from a XXXX XXXX XXXX which is a not-for-profit organization which provides resources to help a homeowners who are in danger of foreclosure. I want to mention an Account Manager by the name of XXXX XXXX Fay Servicing XXXX ). On a recorded line with myself, XXXX XXXX of homeowner alliance protection and XXXX, while is was asking a questions pertaining to my mortgage with my permission, she actually joked about my situation. Please listen to the message. The phone conversation was on Monday, XX/XX/22. 

I already know the person who will answer this complaint will say the same thing : WE ARE SORRY YOU EXPERIENCE THIS .... I am tired of hearing that XXXX. Start having compassion for people struggling in a bad economy. They need to train these employees. If you read all of the complaints on the XXXX  and XXXX, thousands of people are being threatened and speaking to unprofessional employees on a daily basis. 

I have the ability to pay and now back to work. I want the opportunity to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I've disputed accounts that were opened via identity theft with servicer between 3 to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. They refuse to block info that I'm telling them is result of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I filed a complaint about false info and they verified it anyway

Company response to consumer: Closed with explanation