vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: LA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person!

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 2022-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: GA

Complaint narrative:
We have applied for Mortgage Assistance through the XXXX XXXX  XXXX XX/XX/XXXX. We have been through HUD counseling and they have reached out to our lender via fax. We were in a loss mitigation process with them until their offer dated XX/XX/XXXX where they wanted almost {$20000.00} to restructure our loan. We had until XX/XX/XXXX to respond. We did not receive the package until the week after XX/XX/XXXX. 
I have a nervous disorder and the XXXX of the XXXX  and our financial situation during it ; i became ill. I did have a mild breakdown in XXXX if XXXX and sought medical advice during that time. My system shut down on me. I could not handle the paperwork or the XXXX. I have handled all during our 37 year marriage. I did file the paperwork on XX/XX/XXXX and included the foreclosure papers which expedited our application immediately to the foreclosure department. We are asking that the CFPB investigate Gregory funding on their legal fees etc and handling of partial payments on our account during the pandemic and now. 
I spoke directly to the loss mitigation department yesterday and they are unwilling to postpone the sale of our home on the courthouse steps on the XXXX of XX/XX/XXXX. 
I did contact their attorneys yesterday also. I forwarded them the hardship letter from HUD where we went through counseling with them and have shown our ability to afford our mortgage now. Plus we sent the notice posted by CFPB regarding homeowners rights in the application process for assistance from the XXXX XXXX XXXX in XXXX of XXXX, and their scrutiny of lenders who do not honor the process to help their mortgagees in this process. 
We The attorneys told me they would speak to their client and call me back. Due to the time sensitivity of this matter ; i have previously filed a complaint during the pandemic when they tried to foreclose when the moratorium on foreclosures was lifted in XX/XX/XXXX. We have satisfied {$10000.00} of the {$11000.00} we owed them. We filed a Chapter XXXX on XX/XX/XXXX, XXXX had sale date then of XX/XX/XXXX. We had to refile a XXXX in XXXX of XXXX when my husband lost his job The Friday before XXXX XXXX. Through the two bankruptcy filings our mortgage balance increased. We will refile a XXXX to stop the foreclosure but think that is waste of XXXX Bankruptcy XXXX time attorney time and more fees added to our already ridiculous fees on our account. 

Thank youfor your assistance in monitoring these lenders and their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: MI

Complaint narrative:
In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/22, I deposited a check written for me from my college XXXX account ( XXXX XXXX XXXX XXXX ). I was advised that the check would be held until XX/XX/22. When I could finally access the check when it posted on XX/XX/22, I realized my account had been frozen ( no notification from my bank Truist ). 
I went to my local branch and was advised the check was marked as fraud and needed to be investigated. It has been 4 weeks to the day now as today is XX/XX/22. NOTHING has been resolved. I have been told to provide proof that the check was for me, which I did get documentation from the XXXX  XXXX XXXX XXXX and submitted it over two weeks ago. 
I had multiple 4 way phone calls between me, the account holder for the XXXX plan ( my Aunt ), a rep from the XXXX  XXXX XXXX XXXX, & a Truist Fraud Rep. Yet, they say call back in 1 more business day or 3 more business days just for nothing to be resolved. I havent been able to access ANY funds in my checking account as my whole account is frozen. I can not pay any bills nor access direct deposit from my employer. All of my bills companys are charging me late fees as well as returned fees. It is ridiculous and Truist is no help at all.

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 2022-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have no prior business with this company. I dont even know where this account came from. It is my opinion this account is fraudulent. Ive been a victim of identity theft for quite some time. And because of that someone acquired this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code $ 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Data XXXX Factual DataXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code $ 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: MI

Complaint narrative:
This account is inaccurate and was opened fraudulent and is not mine remove immediately.accounts are as follows XXXX XXXX XXXXXXXX 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 2022-09-23 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: TN

Complaint narrative:
I was recently checking my credit scores and found some inconsistencies. I also believe the list below has violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX 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 states a consumer agency can not furnish an account without my written instructions. 
Please verify that these are my actual accounts and provide me with verified information showing a signature signed by me through certified mail. 
Please also provide me with information showing that I gave the following accounts written permission to furnish my accounts. Please send the following through certified mail to each account.

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 2022-09-23 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: TN

Complaint narrative:
I was recently checking my credit scores and found some inconsistencies. I also believe the list below has violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXXXXXX 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 states a consumer agency can not furnish an account without my written instructions. 
Please verify that these are my actual accounts and provide me with verified information showing a signature signed by me through certified mail. 
Please also provide me with information showing that I gave the following accounts written permission to furnish my accounts. Please send the following through certified mail to each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Business and Consumer Solutions.
State: KY

Complaint narrative:
" Fbcs '' a financial services company. 
They call and ask if I'm XXXX, I say yes then they tell me my address and last 4 of my social and ask me again if I am myself. My complaint is them giving out my address and social to anyone who says yes. I get 50 calls a day asking if I'm XXXX XXXX or XXXX XXXX or XXXX XXXX and all I have to do is say yes, now I have this person 's full name, address and the last 4 of their social??? They're giving criminals a free identity to steal by doing this. This feels like a very wrong and imoral bullying tactic to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
I sent a dispute letter to Paramount Recovery regarding an alleged debt on my credit file in the amount of {$730.00} account # XXXX. I have attached a copy of this letter. Paramount Recovery received this dispute on XX/XX/22 according to the signed receipt from the USPS ( attached ). As of today, XX/XX/22 Paramount Recovery has not responded nor have they sent any notice regarding this alleged debt. Paramount Recovery as violated 15 USC 1692g and therefore must deleted is " Unverified '' " Invalid '' account from my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My previous landlord forged a check in the amount of XXXX XXXX dayed XX/XX/2022, waited to cash it until XX/XX/2022. I moved out on XX/XX/XXXX and they have my security deposit of {$950.00} irregardless, they do not have the right to forge my signature. My bank is Capital One and they said that they will not refund me the money despite the fact that I submitted proof that i moved on XX/XX/XXXX, to a town over 4 hours away because I have written previous checks to XXXX XXXXXXXX ( previous landlord ) Its forgery and i need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: GA

Complaint narrative:
Experian is currently reporting outdated personal identifiers on my credit report. I requested an update in XX/XX/2021 and they have yet to respond. 

Experian is reporting the following accounts incorrectly : XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS OPEN This account is listed as being 60 days late XX/XX/2021. Please verify that this account was indeed late as you report, or I demand that you delete all late payments from the account. 

XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS CLOSED This account is listed as being 30 days late XX/XX/2021. I demand that you delete all late payments from the account. 

Experian is currently reporting two medical collections on my report that need to be removed. XXXX. XXXX and 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 explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Debit card got charged on XX/XX/2022 for {$4900.00} plus {$140.00} related bank charges for international use, I filed complain to reverse the transaction and instigate it, the bank refused and asked to wait for 90 days, after reaching out to merchandiser they rejected to refund the amount, I already black listed this merchandiser from using the card illegally replaced both my credit card and debit cards to protect against bank security issue. I made many calls and finally filed a complain and again no feedback for weeks. The same problem happened before and reported here on XXXX XXXX and had to escalate to get my money back.My business account number XXXX Name of Account XXXX XXXX XXXX XXXX XXXX - XXXX XXXX My phone number XXXX, complain number 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 monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
we are just trying to pay our balance to XXXX. BofA has held our money for over 2 weeks, and no trace of it being returned or applied exists. they have threatened to charge us additional interest if we do not send them more money immediately even though we have sent them more than the balance of our payoff. I was yelled at and told that it was my fault that this happened because I don't know what their nomenclature is. 
BofA will not apply our payment BofA will not return our wire BofA is threatening us with additional interest charges and delinquent reporting if we do not send them more money. 
BofA has blamed me for this occurring on a recorded phone call with " XXXX '' XXXX sent {$67000.00} payment to BofA via wire to pay the majority or all of our balance on the HELOC XXXX made {$59.00} principal payment to BofA via online banking b/c no word on our wire being accepted. 
XXXX made {$410.00} payment to BofA via online banking b/c no word on our wire being accepted. 
to date we are {$320.00} over our payoff balance XX/XX/XXXX BofA sends letter demanding more money, or they will charge us more interest or report us as delinquent on our payments Please note- we made our normal payment, an additional principal payment, and {$67000.00} before the XX/XX/XXXX letter was penned. 
XX/XX/XXXX had discussion with " XXXX '' from BofA. she's in collections, and she confirmed that they have my money. however, they have not applied it yet, and can not send me anything in writing or via email to confirm this. She yelled at me and told me that it is my fault that they have held my funds for 2 weeks, and will neither return or apply them until they feel like it. I thanked her for the information, and informed her that she and BofA are influcting financial strain and emotional harm to me and my family as i can not afford to just let $ XXXX just vanish or go un-accounted for. and that i would be reporting them to the CFPB. 
I have received submitted multiple complaints to BofA via online banking, with no response. 

I am concerned about my money and my family 's well being at this point. BofA is engaging in incompetence at best, or an elaborate designed process that forces consumers to pay more interest than is necessary, or allows them to hold large sums of money without escrow, and without cause to bolster their short term balance sheet.

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 2022-09-23 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: IL

Complaint narrative:
According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXXXXXX

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