vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a call from Captail One Credit card stating that the credit card my husband applied for ( which he DID NOT apply for ) was denied. My husband is having problems with fraud and has reported it, but now they have my phone number attached to my husbands account and are trying to get to my personal info.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I issued a complaint regarding XXXX XXXX financial the account has been deleted from every other bureau but Experian. It has been past the 30 day timeframe and the company hasnt responded based on FCRA and Experians website failure to provide respond is grounds for deletion of the account Im just asking for justice and my voice to be heard. Please reference case # XXXX as this is the official complaint Experian has neglected responding to in timely manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened an account with XXXX XXXX XXXX XXXX and they restricted my account due to information obtained in a consumer rerport provided by XXXX XXXX. After obtaining a copy i learned that the discrepancy that restricted my account was a fraud claim that came from Bank of America. When I contacted BOA I was informed me of the activity they reported from an account i had with them in 2018 and I explained that I lost access of that account soon after opening it. I also explained to them that I reported the possibility of fraud after losing access to my account because I was XXXX at the time and my information was stolen. I went on further to explain to them that shortly after I reported my stolen info and the possibilty of fraud I was incarcerated  and was not released again until later on in the year of 2018. Representatives that i spoke with seemed unconcerned of any of this information and proceeded to attempt to collect a payment for these activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: WI

Complaint narrative:
I sent letters off on XX/XX/2022. Here are my tracking numbers ( Experian ) : XXXX. Tracking number ( XXXX ) : XXXX. Tracking number ( XXXX ) : XXXX. I want to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
I was reluctant to sign a loan modification really I was compelled to do when I didn't agree with any of it. I felt they've been dual tracking since I wasn't on the loan just the title I wouldn't have any rights once it went into foreclosure and I had to stay on top of it. 
I was in COVID-19 forbearance for 11 months I wanted to leave the forbearance period in XXXX ' and begin my regular payments XX/XX/XXXX ' although, didn't communicate it to the servicer until XX/XX/XXXX ', I had been waiting to hear from them with a loan modification to sign. They begin stressing me XX/XX/XXXX ' when they cut my initial approved 6 month forbearance period to 5 months therefore, on XX/XX/XXXX ' I decided to take my own action as how I wanted to come out of forbearance which was 10 months forbearance modifying the missed payments and giving them 3 of my regular payments to cover XXXX thru XX/XX/XXXX '. 
Nonetheless, it didn't matter they ignored what I said and told me to send the 3 payments then mentioned the loan modification as though they had it done in front of them. I didn't send them the 3 payments by certified check for 2 reasons. First I felt they were going to pay the latest of the payments missed keeping me in foreclosure status. Second I had to call back to ask if they would be able to sign XXXX Loan Servicing instead of Lakeview Loan Servicing because the signature on the certified check was non-negotiable, I was told they would just send them back to me either way and to deposit them back in my account. 
The loan modification should be just the amount of missed payments I would owe since insurance and tax escrow is in my regular monthly payments it would all be caught up paying the 15 months I owed the amount should have been {$19000.00}. The amount was {$48000.00} which goes as a loan to be paid by the maturity date. My principle went down although the 2 added together brings it to {$200000.00} when it was {$190000.00}. The interest rate went up a point from XXXX to XXXX saving me a whole {$120.00} a month giving them an extra more then {$1500.00} a month. They took all of my equity by adding more then {$13000.00} calling it now money they wouldn't work with what was best for me. 
I truly didn't know what to do before my 30 day deadline was up, I signed to rest assure I wasn't pushed into foreclosure. The whole thing is eating me alive with taking care if my mom age XXXX and XXXX large dogs foreclosure is/was not an option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sentry Credit, Inc.
State: KS

Complaint narrative:
They have continued to call me utilizing local phone numbers. I have asked them to not call me and limit all communication to writing. They are continuing to call me at least 1 time a day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, 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 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. 

This account has late payments showing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is the third time that - over 90 days - I have submitted my police report identifying a fraudulent account from XXXX XXXX to Experian reporting in error on my credit report. Experian continues to ignore my police report and willfully is violating federal law in investigating identity theft. The account number and fraudulent account details were included each time in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be blocked pursuant to the Fair Credit Reporting Act, Section 605B. Each time Experian has processed disputes and " verified '' my name and social security number that have been breached and each time Experian has ignored my police report and the crime of identity theft documented in the police report. Experian refuses to honor my police report and refuses to comply with federal law pertaining to victims of identity theft. Experian 's policy has directly and repeatedly violated the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Chapter XXXX Bankruptcy reference # XXXX has inaccurate reference numbers, inaccurate court locations, inaccurate date filled/reported on all three credit bureaus making information invalided

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Trying to get them to put my dads name on deed since house was paid off a long time ago. My dad dies XX/XX/21. Were trying to close estate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: IL

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to transunion60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX, car was paid off to XXXX. XXXX XXXX has reported to only one credit agency that the payment was settled as agreed and has reported, kept the report, as a charge off on 2 other credit agency lists. XX/XX/XXXX update to my report : it says, paid in settlement XXXX written off. The correct thing is to have it show, paid. XXXX balance. That is what an employee of the creditor told me it would say. I have his name and phone number if it heIps. have disputed and sent emails and called XXXX to request my credit be corrected and updated and if unable then want it removed. nothing has happened and I have been denied a mortgage because of the charge off status. i have the letter from XXXX XXXX and XXXX stating account is closed and paid. what more proof is needed for the agencies and companies to correct their error?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SS # XXXX { TransWorld Systems Inc } { XXXX XXXX XXXX XXXX, DE XXXX United States } XX/XX/XXXX Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, This letter is in reference to a direct violation of the Fair Debt Collection Practices Act regulation to which a phone call was made to an unauthorized party disclosing personal information concerning the debit to an unauthorized party that has nothing to do with the debit this person was nether a relative or my spouse. It was brought to my attention your collection agents from TransWorld Systems Inc representing XXXX XXXX surgeons called a friend of mine at XXXX on XX/XX/XXXX approx. at XXXX AM in the attempts to locate assets as described to me by the attorney ( XXXX XXXX XXXX XXXX, XXXX ) handling this arrangement. I am filing a direct complaint with www.consumerfinance.gov therefore you can take heed that I am very serious about filing suit against your company. It was made clear to me by attorney ( Counsel XXXX XXXX XXXX, Esq ) that her firm or company had sent a notice to you and your team to remove XXXX XXXX from the list for any further contact or collections but due to your error and lack of detail you have publicly disclosed my personal debit to a party outside of the Fair Debt Collection Practices outlines as the proper persons and or individuals to contact and the proper information to release to properly authorized individuals which puts you did not do in this case which puts you in direct violation of The Fair Credit Reporting Act of 1970 'A debt collector generally can not discuss your debt with anyone but you or your spouse. If an attorney is representing you, and youve told the collector, the debt collector must contact the attorney. '' I await your response. 

Sincerely, ____________________________ XXXX XXXX XXXX : Federal Trade Commission ; Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Sunrise Credit Services , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving Sunrise Credit Services , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Sunrise Credit Services , Inc XXXX If Sunrise Credit Services , Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Sunrise Credit Services , Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sunrise Credit Services , Inc continues its collection efforts, I will file for litigation for actual damages caused and Sunrise Credit Services , Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NJ

Complaint narrative:
I filed a dispute for a XXXX XXXX bill that went into collections providing proof of the lease at my next apartment showing that I was not in occupancy at the time of the bills. The bills are a fraudulent use of gas after I was no longer at this apartment. I provided the lease and details to the credit agency and the debt collector and it has not been removed and their latest dispute shows the info valid. It is wrong. I can provide the lease at my next apartment if that is of value, Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: AR

Complaint narrative:
XXXX report number XXXX XXXX XXXX account XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX - account number- XXXX XXXX XXXX XXXXaccount XXXX XXXX XXXX XXXX- account XXXX XXXX XXXX- account XXXX XXXX XXXX XXXX XXXX- account # XXXX XXXX  XXXX XXXX XXXXaccount number XXXX XXXX XXXX- account number XXXX Please investigate if every piece of information is correct They violated my rights under 15 U.S.C 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have 5 days to notify me from when they receive s my dispute They also violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( A ) ( l ) ( ii ) .The law clearly states if items are found inaccurate or can not be Verified the consumer reporting shall promptly delete the information from the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: HI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions. 

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

Company response to consumer: Closed with explanation