vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-08 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: NC

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 : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/AIDV Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX 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 2023-03-08 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: NC

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 : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/AIDV Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX 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 explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I fell behind in my mortgage payments in XXXX and when I got back on my feet, I applied for a mortgage modification. I sent in an application, bank statements and pay stubs. I then called to see if everything was in. I was told I needed a Verification of Employment. I asked if they could send me a form. They said they could not. I looked for a Verification of Employment form online and found one from XXXX XXXX I had my employer fill it out and send it in. I then called today, XX/XX/XXXX, and was told that the form was not accepted and that the file was noted on XX/XX/XXXX. I sent the form in XXXX. I then asked if they sent out a letter explaining what exactly they need and if they included a form. I was told that no letter was sent, no call was made, no form was sent and all that was sent was a letter telling me to apply for loss mitigation - while there is an open loss mitigation review with missing documents. I feel like waiting 3 weeks while my bank statements and pay stubs are expiring is unacceptable. I feel like I am not getting a fair review, or SPS is not handling my file correctly. I believe I should receive a single point of contact who should be overseeing this file. I am in foreclosure and fear losing my home and my lender is making me feel like they are not honestly reviewing my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My authorized user account with XXXX XXXX is not reporting on my experian account and it is supposed to be. XXXX advises that they report to all three major bureaus and Experian is the only one not reporting it.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I've previously written Experian and XXXX three letters to update my personal data. A portion of the information on my credit report was for homes I've never lived at, and I requested that they remove old, out-of-date addresses, phone numbers, and employment information in three separate letters. They never removed the locations and places of employment, so I'm going to initiate legal action against both agencies for failing to remove inaccurate information and for violating FCRA by not disclosing information that is 100 percent accurate.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, Indiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report related to the accounts listed below : XXXX XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX - Collection Account Portfolio XXXX - Late Payment AccounXXXX XXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXX - Charge Off Account XXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Collection Account XXXX XXXX XXXX XXXX and XXXX by the presence of these derogatory marks on my credit report. I have worked hard to maintain a good credit score and this negative information is unjust and unwarranted. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that all information on a credit report is accurate and up-to-date. However, the information on my credit report is not accurate and I am requesting that it be corrected. 

I request that you investigate the accounts listed above and provide me with documentation to support the negative information reported. If you can not provide such documentation, I demand that you remove the negative marks from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I went to The XXXX XXXX of Nevada for a sleep study. There was an agreement for me to pay six ( 6 ) equal payments on the XXXX of every month for {$89.00}. For two consecutive months they billed me twice on or about the same day. When I noticed it, I disputed the second charge. The credit card stated they sent me a notice saying that the merchant responded and they required additional documentation. Even in my online account, it says two notices but there is only one. The second notice, I did receive and responded providing the contract of the payment arrangement. I am still waiting for a result by XXXX of XXXX  My issue is the first one, I never received notification because I would have provided the same document.

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 2023-03-08 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: CO

Complaint narrative:
A fraudulent transaction was made on my Bank of America checking account XX/XX/XXXX, at XXXX XXXX, in the amount of {$1000.00}. 

I have been in communication with both XXXX XXXX and Bank of America regarding this fraudulent transaction for several months to no availXXXX XXXX XXXX  ( XXXX XXXX  XXXX ), has explained to me that they are aware the charge was fraudulent, and they simply need my bank ( BoA ) to work with them so that they can reverse the charge. 

The reference number for the XXXX XXXX 's claim is # XXXX. 

Bank of America has opened two claims regarding this issue due to mishandling on their end. They credited the money to my account, but took the money back out today ( XX/XX/XXXX ), and said that my claim was not approved, with a number to call to receive the documents used to make the decision. I was on the phone with them today for over 2 hours regarding the issue in order to get the documents regarding the claim and reasoning behind the denial ; they refused to provide any information, including any documentation. I was able to get an employee to reopen the most current claim ( # XXXX ) Claims created by BoA regarding this same issue : # XXXX # XXXX I have spend countless hours on the phone with Bank of America and have not been helped. I'm not sure how to go forward in having this fraudulent charge reversed. The charge was absolutely NOT authorized by me or anyone with permission to use my card.

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 2023-03-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX : Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX XXXX  XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Cornerstone credit is attempting to collect an incorrect amount on a medical bill from XXXX XXXXXXXX XXXX associated with XXXX XXXX. XXXX XXXX was made aware of the billing error, it wasnt fixed as they stated it would be and instead sent the bill to Cornerstone. Cornerstone has been made aware of the error. Our health insurance company states that XXXX XXXXXXXX XXXX needs to re-submit a corrected bill. Neither Cornerstone nor XXXX are making the corrections and instead we keep getting repeated phone called from Cornerstone continuing to collect an incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: CA

Complaint narrative:
As I checked this account, the payment history is inaccurate, and this was paid already before it went charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX we found out on our bank/checking acct got fraudulent ACH transferred of XXXX. Right afterward, we noticed it is fraudulent, we call the bank to freeze the account, and submit a claim. There were two others fraudulent attempts later on but thankfully the account is frozen. The next date XX/XX/XXXX the acct got charged XXXX dollars and XX/XX/XXXX it was attempting to charge XXXX. We got all the funds back from XXXX and XX/XX/XXXX. However the first fraudulent Ach of XXXX was still under investigation according to bank. I submitted everything they needed and police report. I am having no luck on bank of America replying back to me. XXXX is not a small amount of money and I need the fund for my business to operate. Please help thanks. I have been calling the Bank of America every two days, only thing they reply back are " working on it '', I felt like this is inadequate for a big corporation especially a bank we all trusted.

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 2023-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I've previously written XXXX and Equifax three letters to update my personal data. A portion of the information on my credit report was for homes I've never lived at, and I requested that they remove old, out-of-date addresses, phone numbers, and employment information in three separate letters. They never removed the locations and places of employment, so I'm going to initiate legal action against both agencies for failing to remove inaccurate information and for violating FCRA by not disclosing information that is 100 percent accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo denied a loan modification stating that I did not qualify even though I sent in a expense sheet showing proof of my income and expenses. 

I was also working with a company called XXXX XXXX to try and get a loan modification. I sent in all required documents. I was involved in a car accident and have excessive medical bills because of the accident.

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 2023-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Bank fees hundreds they refused to give back to me in overdraft fees bank of America from XX/XX/XXXX XXXX or XX/XX/XXXX {$35.00} each time when I thought I had overdraft protection and they didn't let me dispute them etc

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