vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: SC

Complaint narrative:
I have a XXXX  XXXX Bankruptcy that was filed in XX/XX/XXXX. I called Equifax because they are one of the only companies reporting this on my credit file. I called on XX/XX/XXXX and requested a deletion due to the fact that it is 9 years old and I'm trying to purchase a home. On XX/XX/XXXX I called equifax again because on my XXXX XXXX and My Fico Score app. I received a XXXX point decrease in score and message stating that a new Bankruptcy was added to my profile. I request that it be removed and my XXXX points returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/22, my company XXXX XXXX XXXX was debited {$4000.00} by Bank of America and those funds were sent to an unknown individual. I contacted Bank of America on XX/XX/22 to report the fraud. I was told by an employee of Bank of America that my funds would be recovered since the unknown party has an account at Bank of America. 45 days later, Bank of America sent me a letter refusing to refund my funds and to pursue the unknown party. I filed a small claims lawsuit to recover the funds from Bank of America. During mediation of the dispute the Bank of America representative finally gave me the name of the unknown party. He told me to call a department at Bank of America and they would provide the unknown party 's home address so I could file a police report. When I called the number I was told no information would be provided. Today at the small claims hearing the attorney representing Bank of America lied to the judge claiming I never told Bank of America the transaction was fraudulent. That has always been the case and I informed Bank of America in a timely manner of the fraud under Reg E.

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 2023-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I reached out to CHASE regarding a COVID Forbearance in XX/XX/2022 due to being impacted by the ongoing pandemic. At that time they explained to me that at the end of my COVID Forbearance, my options would be to extend the forbearance further, defer missed payments to the end of the mortgage, extend the mortgage term by the number of missed monthly payments, or a repayment plan or modification. I am now coming to the end of my COVID Forbearance and they are no longer offering me the option to extend the mortgage term by the number of missed monthly payments. They have told me I can either refinance, apply for a modification, make a balloon payment now or have a deferment applied to the account and make a balloon payment when my loan reaches maturity. 

A balloon payment is not an option after having not paid my mortgage for 11 months. I didn't come into a windfall of money just because the pandemic is winding down. But they are refusing to honor our agreement to extend the mortgage term by the number of missed payments and return my account to good standing as the COVID Forbearance comes to an end. This is very stressful. And I am concerned that doing a COVID Deferment will impact my ability to obtain a future home loan or refinance should I choose to do that when interest rates come back down. Refinancing right now and doing a modification right now is also not an option because my existing interest rate is 2.8 % and with current interest rates sitting at approximately 7 % my payment would significantly increase. At the time I applied for the COVID forbearance, they made it seem as though extending the mortgage term by the number of missed monthly payments would be done automatically leaving my interest rate as is. 

What they have done should be criminal. It was deceptive at the very least and it appears as though they want to encourage foreclosure later on leaving me stuck with nothing when the CARES Act was enacted to protect consumers not negatively impact consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: MO

Complaint narrative:
I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately. The incorrect reporting is hurting me severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Problems started in XXXX of XXXX when Mr. Cooper bought the rights to service my mortgage from XXXX  XXXX XXXX. My mortgage was just getting ready to come out of pandemic forbearance. XXXX  XXXX XXXX sent me loan modification to fill out and return to XXXX  XXXX XXXX before XXXX of XXXX. All paperwork was returned to XXXX  XXXX XXXX signed and dated before XXXX XXXX. XXXX  XXXX XXXX sent the paperwork to Mr. Cooper. XXXX was received by Mr Cooper XX/XX/XXXX, according to a call center employee at Mr. Cooper. Mr. Cooper failed to process my paperwork. In XX/XX/XXXX Mr. Cooper sent me a letter saying they would not offer me a loan modification, Mr. Cooper stated I had not filled out and returned the required paperwork, Mr. Cooper never sent me any loan modification paperwork, all loan modification paperwork was sent by my previous loan servicer, XXXX  XXXX XXXX which was forwarded to Mr. Cooper who admitted receiving said paperwork. Mr. Cooper had also sent a representative to snoop around on my property, which makes it appear Mr. Cooper was going to illegally try to foreclose on my property. I contacted the MHDC, Missouri Housing and Development Commission to apply for a grant from the SAFHR program to pay off my forbearance, SAFHR approved my grant and sent the funds to pay off my forbearance to Mr. Cooper. Mr. Cooper has received the grant money in XXXX of XXXX, but did not use it to pay my forbearance, they put that money into " unapplied funds, Mr Cooper phone employees have been kind and tried to be helpful, but nothing ever changes or gets accomplished. Mr Cooper phone employees have " escalated '' my account multiple times over the past year and a half but nothing has changed, and Mr Cooper has never contacted me by mail or email to get this matter resolved. It has caused me many sleepless nights worrying about my property and home. This illogical mess also caused my to miss out on refinancing when rates were at XXXX percent. In XX/XX/XXXX Mr. Cooper sent a false statement to my homeowners insurance stating my home was unoccupied, I have resided on this property and in my home for 20 years now. Hopefully Mr. Cooper won't fail to pay the homeowners insurance from the escrow like they are contracted to do. 
Sorry for the long read. 
XXXX XXXX ps hope you have better luck with Mr. Cooper than I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Fidelity service opened on XX/XX/2022 amount XXXX filed federal trade commission report Company has not resolved this matter. 

XXXX opened XX/XX/2022 amount XXXX filed federal trade commission report company has not resolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
A loan amount was populated on my account for loan that I never received. No one from Mohela is responding to me and I can not receive the help I need to get the erroneous charges removed. This has been ongoing since XX/XX/XXXX and it is now XX/XX/XXXX. No one is calling me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late regardless of the fact that I am always on time.

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 2023-03-17 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 14 ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S. Code 6801- PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 U.S. Code SECTION 602 A STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1861 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN CONSENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 14 ACCOUNTS HAVE VIOLATED MY RIGHTS.

15 U.S. Code 6801- PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 U.S. Code SECTION 602 A STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1861 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN CONSENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: MO

Complaint narrative:
I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately. The incorrect reporting is hurting me severely.

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 2023-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX bought a debt from a helzberg account I had. They have called me 4-6 times a day m-f and on some weekends the first time I picked up the phone the debt collector asked my why I fell behind and explained I had lost my job and have 2 toddlers and a wife to take care of. When he asked me to pay {$1400.00} in full today I said I couldnt. Then asked me to put money down and pay it off over the next 2 months. Which I replied that I couldnt afford it right now. He then proceeded to say What kind of father cant pay his bills Not a very good one which is when I stopped talking to them in XXXX of 2022. One year later, after thousands of attempts to call me at all time of the day, I got a letter from a lawyer saying that they had seen that XXXX XXXX XXXX had filed a suit against me. So I called to attempt to settle the debt again. They proceeded to ask me to pay the full amount right now or the lawsuit will garnish my wages and get their money back. ( This was around XX/XX/XXXX ) I said I was hiring an attorney and we can settle in court at which point he told me those are just ambulance chaser of the debt collection world and the court would side with them. Now on XX/XX/XXXX they call me again threatening suit and that I should settle now at which point I stopped him and repeated that I already told them I was getting a lawyer. Which he responded Well legally you have to give me his name and number for us to stop calling and I said again stop calling me and hung up. After calling me a XXXX dad and calling my phone at all time even in the evenings right up to XXXX knowing I had small children to get to sleep Im fed up with their ignorant tactics of abuse and threatening me. I have paid off other creditors but at this point I dont want to pay them a dime after they have continually harassed me and from what I have found out tens of thousands of other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: FL

Complaint narrative:
i keep getting netspend acct cards sent to me i call and they say i have multiple accts not to worry if i never opened or used them thats bull this is apersonalized card with my nmae on it this one i recieved yesterday i get all my mail sent to genaral delivery at edgewater post office because i have serious concerns my ex boyfriend and his girlfriend other prison gang memebers stalking me commiting mail fraud bankj fraud medicaid fraud ebt fraud this piece of mail has been fowarded to general delivery from an old address as in several addresses ago XXXX XXXX XXXX XXXX XXXX port orange fl XXXX i do believe this address is whgeer a lot of them live they have a lot of mail boxes outside and the XXXX XXXX i s a house i think house next door is also using XXXX as address there all scammers over there on thta compound but i have calleed netspend several times i never opened sany accounts with them and i iont care if it says none have been used i didnt open them they shouldnt exists and these people arent having these cards for nothing someday theyll get buste dfor whatever it is they are doing but i want nothiung to do with 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 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
the following action was taken to resolve a complaint of false use of information added to my credit report by National credit System in my XXXX and XXXX report they reported information on a outdated rental contract and in XXXX  its illegal after 3 years and they added a false amount then i reported it they changed the amount in stead of deleting it for false reporting then still added it back to my report with out properly notifying me and still this was false i never signed or received information from National Credit systems or XXXX XXXX apartments i want this false information and dates of me signing agreements with this company off all my credit reports this is illegal in all areas and i have never dealt with this misrepresentation on a company with false paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, a formal letter was sent to Transunion and XXXX requesting verification of a bankruptcy appearing in my credit file. I received a letter back on XX/XX/XXXX, from Transunion indicating this bankruptcy was verified as accurate. 
On XX/XX/XXXX, I contacted the credit bureaus and spoke with a representative about the " alleged '' bankruptcy and was informed that they would reopen the investigation. 
On XX/XX/XXXX, I contacted Transunion and XXXX again to inquire about the resolution to the " alleged '' bankruptcy and was informed by XXXX XXXX at Transunion in XXXX that the bankruptcy was " verified '' by a 3rd party professional entity and that the " alleged '' bankruptcy would remain. I requested a copy of the signed " alleged '' bankruptcy petition be sent to me or whatever documents Transunion and XXXX used to verify " alleged '' bankruptcy ( because XXXX, XXXX XXXX, and XXXX are not reporting the " alleged '' bankruptcy ) and was advised they did not have actual verification documentation they could send as proof of verification. 
On XX/XX/XXXX, I mailed another letter to Transunion and XXXX requesting a copy of any documentation used to verify " alleged '' bankruptcy as this is my right as a consumer according to the FCRA Section 609.

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 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Hello I opened a bank account and was waiting for my debit card to arrive by a mail from M & T bank but I never received it and there has been 8 unauthorized transactions each for {$1000.00} form XX/XX/23 to XX/XX/23 it says atm withdrawal and i was denied of dispute because they think that I had the debit card in my possession while this transaction were made, I visited a branch to dispute the transactions but was denied, can you please help me resolve this issue thanks.

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 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
XX/XX/2023 my XXXX account was logged into by an unknown individual and they've ordered two gift cards from this place called " XXXX 's XXXX XXXX. '' The location of this person is in XXXX, XXXX, XXXX according to the bank statement transaction. I reported it the same day to my bank and contacted XXXX. XXXX lied to me multiple times by different people telling me how they handled the situation. The very first time, I called XXXX. They told me that they canceled both cards and reported them to the fraud department. I hung up that day feeling relieved that everything was sorted out. I noticed I didn't get any emails about refunds and contacted them again about it and told me that they were going to process my money refund then and then they wrote me two fake emails like everything was official and solved. Later, I contacted them again and multiple people from XXXX just kept playing around with me like they were gon na help me and kept transferring me to different people who didn't help and only lied too. After that, I gave up with XXXX and called my bank. They told me how they received both my disputes and were gon na raise an investigation on them. Later, I was denied any funds from the fraudulent transactions. I opened a rebuttal to the denial with all the proof ( my location, I gave them my ssid over phone, suspicious websites I went to, etc ) I could and was denied again. I googled the XXXX XXXX XXXX because I didnt orginally know what that was and I found out that I'm not the first person who was charged fraduently by this location on this websibe called XXXX XXXX XXXX Here 's the link XXXX XXXX XXXX XXXX and also that same day I got that strange charge, my email was flooded with scam emails ever since. I today saw that they changed my transaction name to just XXXX and not the XXXX XXXX XXXX. got a new bank card, password, and reset my XXXX account and now I will switch everything over to a new email I've created. There were only two situations in which I may think I have got my details stolen : 1 ) I went to this website called XXXX : XXXX. I had last put my banking information there to purchase something for myself. 2 ) The other was me with someone with XXXX. I gave them my XXXX email address to send me money and we had a " trust '' situation going where I had sold them a game account without any security. The account was sold for exactly XXXXXXXX XXXX the very next day, I've lost that exact amount. The seller didn't have my banking details directly but the game account details was the same email I used for Chime and the same password I use for Chime. " XXXX '' and my old password was " XXXX. '' I don't know what to do so I did research and found this place.

Company response to consumer: Closed with monetary relief