vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
My mortgage company is Home Point Financial. They recently went through some restructuring and as a result of that they made changes to my account. In particular, they demand me to pay into escrow account. I didn't have escrow account with them and was very surprised at their sudden demands. Apparently, although I didn't have escrow account, they send money to my insurance company periodically without informing me and without my authorization. They split the money they paid to insurance into 12 parts and added them to my monthly mortgage payments. 
I complained to the company on XX/XX/2022. They were investigating my complaint for 3 months. Finally, I received response from them on XX/XX/2022 ( attached ). In the meantime, I assumed that while the issue is being investigated, I can pay my regular monthly mortgage payments. However, the Home Point did not accept my payment ( attached ) and reported me to credit reporting agency as delinquent account after 30 days. They refused to update my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: KY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding unknown and inaccurate items on my credit report. To this day over 30 days ago I have not received a response yet. I feel like I'm being taken advantage of and being ignored or my disputes. Section 611 ( a ). states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These should be deleted promptly. I demand these account be deleted immediately or I will be forced to file litigation due to stress caused. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. This is very concerning as I no longer feel safe with my own identity.

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 2022-10-02 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: KY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding unknown and inaccurate items on my credit report. To this day over 30 days ago I have not received a response yet. I feel like I'm being taken advantage of and being ignored or my disputes. Section 611 ( a ). states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These should be deleted promptly. I demand these account be deleted immediately or I will be forced to file litigation due to stress caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. This is very concerning as I no longer feel safe with my own identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the following : 15 U.S.C. 1692 ( G ) Section 809 ( B ) 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) 15 U.S.C. 1666b 15 U.S.C. 1681 Section 602 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) 15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681 ( b ) ( e ) 15 U.S.C. 1681 ( b ) 15 U.S.C. 1692 ( f ) 15 U.S.C. 1681n 5 U.S.C. 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A.

Violation of HIPPA Defamation of Character. 
XXXX, Transunion and XXXX reporting inaccurate information on same accounts. I have disputed several times, I have called multiple times, I have uploaded documentation to some accounts, I have written disputes of inaccuracies. This has caused denial of loans for my business and personal accounts. All disputes have been recorded on websites. I have also received preapproved credit cards and then denied from credit bureaus as well. 
Reporting a debt as charged off, when it was settled or paid. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Inaccurate statement of balance due.

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 2022-10-02 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the following : 15 U.S.C. 1692 ( G ) Section 809 ( B ) 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) 15 U.S.C. 1666b 15 U.S.C. 1681 Section 602 15 U.S.C. 1681a ( 2 ) ( a ) ( 1 ) 15 U.S.C. 1681 ( a ) ( 4 ) 15 U.S.C. 1681 ( b ) ( e ) 15 U.S.C. 1681 ( b ) 15 U.S.C. 1692 ( f ) 15 U.S.C. 1681n 5 U.S.C. 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A.

Violation of HIPPA Defamation of Character. 
Experian, XXXX and XXXX reporting inaccurate information on same accounts. I have disputed several times, I have called multiple times, I have uploaded documentation to some accounts, I have written disputes of inaccuracies. This has caused denial of loans for my business and personal accounts. All disputes have been recorded on websites. I have also received preapproved credit cards and then denied from credit bureaus as well. 
Reporting a debt as charged off, when it was settled or paid. 
Reporting late payments when your payments were timely. 
Reporting old debts as new ones. 
Reporting that an account was active after it was voluntarily closed by a consumer. 
Inaccurate statement of balance due.

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 2022-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
XX/XX/XXXX Your appt w/ XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) today, XX/XX/XXXXXXXX XXXX XXXXXXXX. Reply CONFIRM or call XXXX to change or get help with your XXXX link. 
I applied for a loan as a Creditor, and was asked for authorization via Power of Attorney, by a man named XXXX, to consent to entrust XXXX Agent to act as Creditor, to access and receive funds for the Consumer, Me. 
After Creditor accessed ( Hard Inquiry ) the funds, the substance was then denied the Consumer.

Consumer, Me, was denied without compensation, and there was no attempt to remind initial Creditor, also Me, of my Right to Rescind. 
I have sent notice via SMS to XXXX of my intentions to Cure, Resolve and settle the dispute. 
And am filing said complaint as to register the account publicly as a claim made my I, XXXX, the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 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 2022-10-02 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 Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2022-10-02 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: TX

Complaint narrative:
Have tried contacting XXXX several times in regards to misreporting on my credit profile. I have never been late on this account. Account status is showing current however XXXX is reporting 30 days late to call credit agencies.

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 2022-10-02 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: TX

Complaint narrative:
Have tried contacting XXXX several times in regards to misreporting on my credit profile. I have never been late on this account. Account status is showing current however XXXX is reporting 30 days late to call credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Have tried contacting XXXX several times in regards to misreporting on my credit profile. I have never been late on this account. Account status is showing current however XXXX is reporting 30 days late to call credit agencies.

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 2022-10-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 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 2022-10-02 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: TX

Complaint narrative:
XXXX XXXX is reporting incorrect information on my credit profile. I have reached out via mail and phone several times for them to correct and update this information. However, I only received a letter stating they are not sure what I am asking for when I have clearly requested the removal of this account from my credit profile as it is hurting my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have been disputing all year round and trying to let the credit reports know that certain good accounts are closed due to fraudulent and that I did not closed any accounts that have good standing history, but it doesnt work in my favor. For example, my XXXX account that I used to work for XXXX  back in 1991, most valuable client member, one of my account number that is closed by thief and not by me, but the results are not to my favor, because its doesnt make sense that all of my good accounts are closed in the same year by me. Therefore, the investigation team is not really doing a good job. The second issue that I kept disputing is the wellsfargo  Home Mortgage over and over, but they rather go with the Wellsfargo Bank reporting instead of my disputing fraud reports, even the accounts number isnt accurate from whats my account number is. I kept getting the results back saying their investigation results are accurate and I dont know how they getting accurate information from? I am not being negative about the compliant, I am just trying to be honest from what I know with hard documentations and its my credit report so, I am trying my best to explain. I still have dispute to do, however, I am delay, because now I am homeless and I dont have a decent place and tools for my Identity Theft Victim Recovery process as I am about halfway through. I was asking to write a 100 words to explain and with documents attached to proof and I am just about to get there, however, I dont have any financial help yet. 
As far as Wells Fargo Home Mortgage is the same letters that I kept receiving every month are that they need more time to investigate and the second letter is that they keep saying that their investigation, they do not find any fraud loan from my concerns. The third letter is they keep giving changing to different accounts numbers and start to change to the accounts that I have no knowledge or idea what they are saying.

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 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello, and thank you for taking the opportunity to help out with my concern. 

I wanted to please reach out regarding an incident where Discover potentially may have mistakenly reported me late by accident. 

When I logged in to make a payment on my Discover card, I was offered a payment plan that I would lower my interest rate and decided to naturally take advantage of it to lower my payments. 

A promise to lower my payments, as well as give me a lower interest rate plus allowing me to still have the card open an active allowing me to spend if needed. 

When I set up the installment plan, it would not allow me to modify anything beyond that. I was unable to add the payments that I am familiar with to update it to the correct checking account. 

I attempted to rectify the situation by modifying the bank account however because it was a schedule payment under that special financial plan it did not allow me to modify the banking details. 

Instead, when the payment was rejected, I had already processed the payment the same day to bring the account current as I have never been late before. 

When Discover proposed the payment plan, I was trying to make a payment earlier on to bring the account current. However, when the payment plan was set up, Discover did not allow me to make modifications, and instead bundled both the past due, and the bundled payment for the plan together, and when that payment was rejected, I was reported late, which is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
For years, I've had this card and paid its annual fee ( $ XXXX ). This fee included access to a worldwide network of Diners Club airport lounges. The past few times I've tried to access the lounge, the lounge turns me away saying that the benefit is no longer valid. 

If this benefit has been removed, BMO should refund me the annual fee ( {$95.00} ) plus the additional card fee. The only reason I have this card is for the airport lounge benefit. I've received no written communication of any policy/benefit change. This is the bank 's current advertisement for the card benefits : https : 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 2022-10-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2022 two transactions were made in XXXX XXXXXXXX XXXX with a tap to pay form of my debit card at an automotive store for {$1000.00} and {$2000.00}. My personal guess is for two visa prepaid cards. Transaction on my bank account show I was in XXXX XXXX at the time and bank will not count transactions as fraud because a deposit for a job for around XXXX was put into my account 3 days prior to the fraudulent activity. Bank of America denied my fraud claim based on them not draining my account even though on the phone I was told it was a repeating pattern and would have continued had I not reported it. It was reported immediately after seeing money taken from my account. There were also 2 other changes for XXXX that the bank had no problem considering fraud and refunding the money.

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 2022-10-02 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: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I obtained a title loan from Wisconsin XXXX XXXX XXXX XXXX XX/XX/XXXX for about XXXX dollars. I defaulted on the title loan and my vehicle was repossessed. I was told that was the end of that. I recently checked my credit report and saw a closed account from National Credit Adjusters from non payment of XXXX dollars they said that I owed Wisconsin XXXX XXXX XXXX XXXX. The date this account was opened by National Credit Adjusters say XX/XX/XXXX and the acoount was closed XX/XX/XXXX. Now I was never informed by Wisconsin XXXX XXXX XXXX that I owed them anything after they took my vehicle. I was never sued for any judgement I was never contacted by either of these companies for anythng. When I called Wisconsin XXXXXXXX XXXX to ask they told me to call National Credit Adjusters and when I called National Credit Adjusters they told me to call Wisconsin XXXX XXXX. In the meantime I have a XXXX XXXX dollar closed account that has greatly impacted my credit score and I am almost positive what they did is illegal from the rresearch that Ive done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 with out 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
Since XX/XX/2022, I have paid my car loan bi-weekly to ensure the full monthly payment of XXXX is paid every month. However, since XX/XX/2022 - present, they keep reporting my accout as past due to all credit bureaus. Also, it shows the remaining balance is {$31.00}, XXXX but the loan was financed at {$32.00}, XXXX in XX/XX/2022?? This has severely DAMAGED my credit and the XXXX XXXX value of this vehicle is only worth {$14000.00}!

Company response to consumer: Closed with explanation