vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Boa closed my account without reason while my account was in the negative due to financial hardship. Bank of America falsely reported potential fraud on my XXXX XXXX  account. I never committed fraud and its affecting me opening up accounts with other banks.

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 2022-12-07 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: CA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
I am behind on my home loan. My loan company is holding {$8500.00} left from my insurance claim money from a hurricane claim. I sent a letter requesting that the money be applied to my loan balance. They did not approve it. I then requested, the remaining amount to be sent to me. They did not approve that. The remaining balance is less than 10 % of the original insurance check payment made to me by my insurance company. I mailed them XXXX payments totaling {$3800.00}. They sent both payments back to me. I completed a hardship packet in which I asked to pay {$10000.00} and if they could divide the remaining {$1500.00} into XXXX payments. They again did not approve it. My reason for being behind is because I was out of work. My total amount behind is {$11000.00}. They don't want to work with me because I only owe XXXX, and my house is worth {$750000.00}. They would make over a half XXXX dollars in profit by foreclosing on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: MI

Complaint narrative:
Dear XXXX, Americollect sent a debt collection notice via mail to collect for XXXX XXXX XXXX SC in the amount of {$1.00} on XX/XX/2022. Americollect dated the notice as XX/XX/2022. 
I called Americollect and told them that XXXX XXXX XXXX was contacted in the summer to give me a detailed bill after I received a notice from them that I would be sent to a collection agency if I didn't pay them. The XXXX XXXX XXXX XXXX department told me to disregard the bill and they would sent in the correct codes to my insurance company. However, the didn't carry through on their word because I received a debt collection notice. I called my insurance company and XXXX XXXX XXXX never sent them the correct codes. So my insurance company called the doctor who provided XXXX XXXX XXXX with the medical billing codes ordered and preauthorized and they forwarded it to XXXX XXXX XXXX again, but XXXX XXXX XXXX did not follow through again, leaving me without resolution. 
Please help me end the debt collection notices from both Americollect XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone number XXXX and XXXX XXXX XXXX. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I called them again stating that I'm not able to make the payment and they hung up on me twice This is ridiculous. I need to open a legal case against them because they put me on a payment plan without my consent and now they don't want to provide assistance They wrongly put me in a payment plan The second representative was XXXX or so I don't remember the name of the first lady, but they had an attitude while in the phone I can make the payment on the XXXX, I will do it on the XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Unable to make payments due to Covid-19 pandemic restrictions. It is on my report for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
During the time frame of XX/XX/2022 through XX/XX/2022 multiple purchases were made through a single merchant portal, XXXX, on my Chase Sapphire Reserve Card. 
The purchases that were made were enhancements to a service. The service quality had severely diminished over the course of the use ( disconnections, removal from the app store, inability to log in ) to the point that the service is no longer accessible to me. I had attempted to contact the merchant on multiple occasions with no response. I attempted to contact XXXX but they pointed me in the direction of my credit card issuer. 
As the service / product that was purchased was no longer being provided I had filed disputes for all charges to this merchant, XXXX, between the dates of XX/XX/2022, and XX/XX/2022. These disputes were denied by the credit card provider stating that they did not protect their consumer for these types of purchases. 
My rebuttal at the time was that these services were purchased and then removed. I no longer have access to the product / service which I had purchased. It would be like if I had purchased a car, been given possession of said car, and then the dealer removed the engine from said car after a specific period of time. While I had received the product, it was rendered unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I received a notice in the mail stating that Debt Recovery Solutions , LLC was attempting to collect on an account for XXXX XXXX XXXX that they claim was purchased by XXXX XXXX XXXX and is who they are attempting to obtain a payment on behalf of. 

I called the phone number provided and the first person I spoke to I told I needed to dispute the notice I had just received. She then proceeded to tell me that I needed to make a payment to prevent my credit from being effected. When I suggested that this was not correct, she disconnected the call. 

I called back immediately and spoke to a second person and told them again that I needed to dispute the notice I had just received and requested evidence that I owed anyone medical debt. I am in full belief that this medical account from XXXX had been resolved. She insisted they were going to email me proof rather than mail it as asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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:
The credit bureaus Experian and XXXX are violating my consumer rights as well as personal data is not safeguarded by these two bureaus, they are allowing a collection agency that bought a debt from mobile that, I never had, as well Experian and XXXX to validate this debt, they received 1 statement well over 45 days ago, after not received competent evidence that I ( XXXX XXXX ) handsome contractual obligation of any kind about the trade line, I have another30 days the 45 days that was notaries and sent certified mail to the bureaus and the so-called collection company ( XXXX XXXX XXXX  acct # XXXX in XX/XX/2022 to now. Nothing has been produced. I have also explained that my data is being sold and that can't get a police report without a contract and a copy of # id and signature to report identity theft.

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 2022-12-07 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: NC

Complaint narrative:
Experian : High Alert Mortgage Credit Pulled Spoke with Experian About the Incident which happened on today XX/XX/XXXX after telling company XXXX XXXX XXXX not to pull my credit due to high identity theft past couple of years and now trying to rebuild my credit. They immediately first starting speaking about my credit to make sure there were no bankruptcies on file. I showed them my credit score on my phone so they could clearly see no bankruptcies were there. Upon leaving my credit was pulled and high alert of mortgage pull was placed on my credit after stating many times. I did not want my credit pulled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP

Complaint narrative:
My name is XXXX XXXX, I have an account at the US Bank. Im XXXX, living in XXXX XXXX in an elderly care home. Im physically only able to travel very short distances ( few XXXX meters ) by using a wheel chair. Money from my pension-plan is coming in on my US Bank account on a monthly basis. Since XXXX I have been trying to get money transferred from this US Bank account to my account in the XXXX. The US Bank is refusing to make this possible. They claim the only procedure is a wire-transfer which requires a visit to a branch in person in the US. Clearly this is no option. My son might be able to do this on my behalf, although it clearly is ridiculous to travel to the US for such a procedure. But that would require him to become a signee on my account. I was told adding him as a signee also requires me to visit a branch in person in the US. I have tried to make him signee by sending official paperwork, such as an existing notary statement. All legally translated and authenticated by a court in the XXXX. This should be legally accepted according to the XXXXXXXX XXXX XXXX XXXX XXXXXXXX from XXXX which states that documents verified in this way should be accepted as official documents in de USA for private law. XXXX entered into force for the USA in XXXX. The US Bank refused to accept these documents. They claim it to be policy not to accept foreign documents. XXXX I stopped calling and emailing and sent a letter. The US Bank has still not answered. Not even a confirmation that they are working on the issue. The letter simply asks which procedure to follow to wire money and which procedure to follow to make my son a signee without having to travel to the US. If required can provide copies of emails and letters and official document if needed.

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 2022-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I declare under penalty of perjury ( under the law of the united states.if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally. These misstatements are punishable as perjury under 18 U.S.U 1621. This found within my credit are not related to any transaction that I made I am alleging that a person or company-without my authorization -used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC

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 2022-12-07 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: NC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

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 2022-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Honda Financial has repossessed my vehicle with no advance warning because there were at least XXXX late payments past due, they acting as total predators I have offered to pay the back payments in order to cure the default, it was the first time late and being repossessed, Honda Financial should have given me an opportunity to catch up with the late payment but instead they are demanding the full buyout amount for {$35000.00} and not considering any reinstatement in good faith, apparently they can make more money repossessing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX XXXX  # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: NC

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My mortgagee was transferred to Select Portfolio Servicing from XXXX. XXXX. When it was transferred, I had a FHA loan. Select Portfolio Servicing reported on my credit report that I had Conventional Real Estate MTG mortgage and Conventional Re Mortgage, Date Opened XX/XX/XXXX this is untrue. On XX/XX/XXXX, I never opened a Conventional Real Estate MTG mortgage or Conventional Re Mortgage, Ever. Also, in XX/XX/XXXX I received some fraudulent documents, from Select Portfolio Servicing that had been copied and pasted. Even my initials, and signature was copied and pasted to the document. It also included a different account number, from my original account number with Select Portfolio Servicing, as well as a different address to send payments. I never complied and customer service said it was a mistake. I also noted on my credit report that the fraudulent information concerning a Conventional Real Estate MTG Mortgage and Conventional Re Mortgage was updated on XX/XX/XXXX. I have never had a Conventional Real Estate MTG mortgage or Conventional Re Mortgage. Under the Fair Credit Reporting Act ( FCRA ), I have the right to fair and accurate reporting of my credit information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had my identity stolen and someone had used my company credit cards Bank of America Card Account # XXXX from XXXX without my authorizarion. 
My grand daughter was managing my account because I am over XXXX XXXX XXXX. 
One day I had noticed all these fraudulent charges so I would like to dispute these charges

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 2022-12-07 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: GA

Complaint narrative:
TransUnion stated in the attached compliant that the account # XXXX ( XXXX XXXX ) would be DELETED. According to my credit report as of XX/XX/2022 XXXX XXXX is still on my credit 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 2022-12-07 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:
The credit bureaus XXXX and Transunion are violating my consumer rights as well as personal data is not safeguarded by these two bureaus, they are allowing a collection agency that bought a debt from XXXX  that, I never had, as well XXXX and TransUnion to validate this debt, they received 1 statement well over 45 days ago, after not received competent evidence that I ( XXXX XXXX ) handsome contractual obligation of any kind about the trade line, I have another30 days the 45 days that was notaries and sent certified mail to the bureaus and the so-called collection company ( XXXX XXXX  ) acct # XXXX in XX/XX/2022 to now. Nothing has been produced. I have also explained that my data is being sold and that can't get a police report without a contract and a copy of # id and signature to report identity theft.

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