vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I started working with Chase Bank to solve my mortgage delinquency back in XXXX. When covid came they experienced some of the same service problems that everyone was experiencing. It was very difficult to reach some one and when I did, they were new or overworked so I got nowhere. They just kept putting me in a forbearance. Finally in late XXXX someone told us about XXXX XXXX XXXX Ohio ( XXXX ). I applied and was denied and sent to a Housing Counselor. She was able to get XXXX to approve our file. This is where the problem with Chase continues. On XX/XX/XXXX we owed {$25000.00}. XXXX had XXXX for us. All we had to do is give Chase XXXX. They would not take it. I have been trying for months to get them to take the money, hold it, tell XXXX  the difference is there so they will send the XXXX. They won't. On XX/XX/XXXX it went up to {$26000.00}. Chase still won't take the money. Now XX/XX/XXXX its {$28000.00}. Chase still won't take the money and now I don't have {$3600.00}. XXXX has been telling us for months that they have sent Chase the conditional approval. ( That is what they say they need ) Chase keeps saying they don't have it. I'm stuck in a loop. I need help. I am going to lose my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Im in XXXX XXXX XXXX  I learned that my identity was stolen and someone opened two credit card accounts in my name with Bank of America : one for XXXX XXXX and the other for XXXX XXXX XXXX. I immediately reported this to the Fraud Department at BOA. The female agent assured me that she closed both accounts and noted they were opened fraudulently. Following this, I filed a fraud alert on all 3 credit reporting agencies. Today, I received a billing statement from BOA in connection with the XXXX XXXX card. The credit limit is {$19000.00} and the annual fee of {$75.00} was charged. Payment is due XX/XX/XXXX. I immediately called the Fraud Department at BOA to report that this fraudulent account was never closed as I requested in XXXX. It was never reported as fraud by BOA to the credit reporting agencies. This is the unacceptable. My case number with BOA is 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 2022-12-19 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: NY

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2022-12-19 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 XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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 XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have reached out on 4 occasion XX/XX/2022, XX/XX/2022 & XX/XX/2022 via certified mail and XX/XX/2022 via phone to Fraud Department. 

I have reviewed my credit report and they have XXXX incorrect so called versions of my name. None of which are my correct name. Also XXXX address in which i have never reside. I know we have the right to a clear and accurate credit report which i have told them numerous time yet they refused to remove this inaccurate information from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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: DC

Complaint narrative:
The U.S. Government, Department of Health and Human Services, Program Support Center attempted to collect a debt from me but would not verify the debt, the amount owed, or tell me how to pay it. Yet the debt collections are now appearing on my Experian credit report and hurting my score. On XX/XX/XXXX I received a letter from XXXX ( scan attached ) that I was seriously delinquent on a debt to the government. This was the first letter I had received regarding this debt, and the letter did not give the amount owed or a method for repaying. It did provide a phone number, which I called, only to be directed to an inbox that was too full to accept messages. On XX/XX/XXXX, after searching an XXXX employee directory, I located the email address of a contact at XXXX XXXX, XXXX XXXX. I emailed her and she indicated she would ask XXXX for more information and provide it to me ( usually within XXXX hours ). I followed up several times and XXXX XXXX was still not able to obtain information about this debt. ( These emails are attached. ) On XX/XX/XXXX I sent a certified letter to XXXX ( attached ) which was received on XX/XX/XXXX and signed for by XXXX XXXX ( attached ), requesting verification of this debt. Once I finally was told the amount owed, I paid it in full immediately. 

Due to the fact that I was a ) not informed of this debt until it was sent to collections and being reported as delinquent on my credit reports, and b ) even after I was notified of the debt it took jumping through many hoops to find out how much I owed and how to pay it, and c ) once I finally got that information, paid the amounts in full immediately, these accounts should not be reported on my credit reports as delinquent. I have requested that they be removed and my requests have repeatedly been ignored. I want these delinquent accounts removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
There is a collection on my credit report called XXXX XXXX that bought a debt from XXXX the debt is {$550.00} that does not belong to me contact the collection agency as well as Experian to get the debt verify requesting a signed contract and ID they never received that contract nor ID, I have request this to be removed for over a year now and it's still there and it's not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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 XXXX  account ( XXXX ) : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Application Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX ending in XXXX XXXX XXXX XXXX XXXX Number : XXXX, has violated my rights. 

Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ] Pub. L. 90-321 [ 15 USC 1692j [ ( Furnishing Certain Deceptive Forms ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted all three bureaus in regards to inaccuracies on my report. They've had me listed as deceased twice and mixed my file with others. I am attempting to purchase a home and continue to hear there's no score listed for me. However when I go onto the individual sites I have scores. I'm beginning to feel as if I'm being discriminated against.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted all three bureaus in regards to inaccuracies on my report. They've had me listed as deceased twice and mixed my file with others. I am attempting to purchase a home and continue to hear there's no score listed for me. However when I go onto the individual sites I have scores. I'm beginning to feel as if I'm being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TX

Complaint narrative:
Last month I sent a dispute letter to the credit bureau. I took the time to research consumer laws to dispute incomplete & inaccurate reporting on my credit report. I have contacted the credit bureau and they could not find the letter I wrote or either they assumed a 3rd party wrote the letter. My letters were not even looked at. Although I have stated I wrote the letters and it is not even against the law to have a 3rd party send off letters on my behalf ( such as XXXX Law ) I was not given a reason for how they determined this. 

I am filing a complaint and asking you again to reinvestigate the following accounts. I would also like a copy of my updated credit report within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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 XXXX XXXX XXXX XXXXXXXX, 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 2022-12-19 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: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a new credit card with capital one bank. I used the card, then I never received a statement. I never recieved a mailed statement or an emailed statement. I waited 2 months to check on the account. In that time Capital One charged me {$65.00} in late fees. I recieved no notice about the fees or the account. Capital one refused to waive the fees. The only way I could come current, was to sign up for a program that charged me {$83.00} a month for three months. I believe that they did this purposeful to generate increase fee income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital one account opened XX/XX/XXXX XXXX had no access to it and check recently and it was maxed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TN

Complaint narrative:
On XXXX different occasions I have submitted a dispute via mail to have XXXX accounts on my Transunion report removed due to inaccuracy. I requested to be notified with proof of verification on how the companies responded. After the XXXX dispute was completed I received the generic results from Transunion stating the accounts were verified with no proof. So I resubmitted them and received a letter stating they would not reinvestigate. These accounts were removed from both XXXX and XXXX due to inaccuracy but Transunion is denying me the proof I have requested as well as refusing to reinvestigate which is in violation of my 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 2022-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is in regards to the other dispute on my account. Bank of America did resolve my fraud charge claim. I was told last week by XXXX XXXX that Bank of America would call the XXXX credit bureaus to correct my credit report. I called both XXXX and XXXX and they have not heard from Bank of America. I have been told by legal advisors that it is Bank of America 's responsibility to fix this problem. Please refer to the cases that are now closed for more details. Received letter that Bank of America has resolved my issue with them just need them to do what I was told that they would do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
in XX/XX/20 during pandemic my mortgage loan fell behind and I was given forbearance plan. My husband and were both on unemployment income and were not able to pay the mortgage, once we returned to work, I asked Mr. Cooper who was my lender at the time, for a loan modification, and was denied, then I asked for repayment plan and during this time, the loan transferred to Rightpath Servicing, the clock started over and they reviewed my account for loan modification and was denied again, their reason was that the monthly payment would be higher than it is, I kept saying I can afford higher payments, but I was still denied, then I have saved up {$70000.00} towards the past due amount and offered that but again, was denied. I am turning to you for help, I have {$70000.00}, my past due amount is {$130000.00} and I have asked for a XXXX  month payment plan for the remaining balance, I was denied, they said either all the past due or they will foreclose. I have a XXXX son and I am XXXX XXXX survivor and are unable to move in this bad economy. Please help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
I have a home mortgage with Loan Depot. ( Account # XXXX ). During XXXX they offered " loan modification '' which allowed me not to pay my 3.3 % mortgage for the 2 years XXXX impacted my income. I entered into an agreement with them by which I pay my mortgage monthly and the 2 years of unpaid mortgage gets tacked on to the back end of my loan. I have not missed a payment but out of nowhere I got a call informing me that I am no longer in loan modification and they want me to pay all of the set aside mortgage payments money now with the threat of foreclosure if I do not pay. This is the second time they have tried to kick me out of loan modification and threatened me with foreclosure. The first time was because I didn't get a signature back to them by the deadline. I protested this because the papers they sent me didn't have a deadline plus I had asked a Loan Depot rep if there was a deadline for the papers to be returned and I was told " no. '' Based on this ( I guess ) I was allowed back into the loan modification program. ( Letter dated XX/XX/2022 ). I was sent a new XXXX page contract saying so and what to do to get into permanent loan modification ( pay the mortgage on time ). In that contract they state over and over that to enter into a contract with them all I have to do is make a mortgage payment by the due dates outlined. The first date was XX/XX/XXXX. I paid it XXXX weeks early and that payment shows up in my account. But, out of nowhere I received a phone call and then a letter informing me that I am not in the trial loan modification program. ( XX/XX/2022 ). Nothing has changed since they reaccepted me into the program again. In the letter they write that I failed a XXXX XXXX. I don't know what that means or if it refers to the aforementioned signature issue which I thought had been resolved.

Company response to consumer: Closed with explanation