vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
I have a mortgage with Freedom Mortgage Corporation. I contacted them about a refinance and they pulled my credit reports on 6 different occasions without offering a product or service. When I followed up with the company I got bounced around from person to person and nobody replied to my email. I am including my emails to this message. I have an excellent credit score and having 6 inquiries in such a short time is going to affect my credit. I moved my loan to another company after this as I did not sign any disclosures or give verbal approval to run my credit and the six inquiries on my credit would never have been approved if I was not trying to receive a product or service.

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 2020-12-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XX/XX/20 Sent in letter to be dispute accuracy and sources of information on my report. Transunion has took more than 40 days to investigate and has not removed accounts or sent updated 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 explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Monday, XX/XX/XXXX I discovered that Bank of America had chosen to end " our business relationship on XX/XX/XXXX and that I agreed to do so based on " page 2 of an agreement I signed when I opened the account '' in XXXX. This is an " unequal relationship '' between myself and a fictitious person that is now holding me financially XXXX. 
I have been told I will be sent a cashiers check, which I do not want, because I prefer to transfer funds electronically just like banks conduct their business at the " discount window '' of the Federal Reserve. I feel this is an egregious act on the part of Bank of America, beyond the basic lack of courtesy at a time when extreme time based income inequality threatens individuals into permanent financial crisis. 

When banks threaten themselves through greed and mendacity and politicians that are beholden to them agree to bail them out -- their is no relationship other than one of domination and control and reinvestment in digital products that do not deliver and are fraught with fraud and security precautions that are wholly in the hands of Bank of America itself.

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 2020-12-07 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Step 1 : What is this complaint about? 
Credit inquiry placed on XXXX Credit Report on XX/XX/2020. I am requesting that the company remove the inquiry. 

Step 2 : What type of problem are you having? 
I did not apply for credit with REGIONAL ACCEPTANCE. I am unable to resolve the issue with the company. The company is not responding or answering phone calls. 

Step XXXX : What happened? 
I received an email alert from XXXX that there was a recent change to my credit information on XX/XX/2020. I contacted REGIONAL ACCEPTANCE at ( XXXX ) XXXX, and was not able to speak to anyone to resolve the issue.

Step XXXX : What company is this complaint about? 
REGIONAL ACCEPTANCE Step 5 : Who are the people involved? 

REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( 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 2020-12-07 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: Early Warning Services, LLC
State: TN

Complaint narrative:
I opened a XXXX XXXX XXXXXXXX account in 2016. I planned on using the account for my brokerage account and did not do much with it. In late 2016 my account was hacked and several charges appeared that were not from me. I was not aware of the charges until receiving a letter from the bank stating the account was closed. Upon checking with the bank I discovered the account closed with a negative balance due to overdraft fees for things like gym memberships that I did not subscribe to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020, I disputed an account for XXXX XXXX to Experian. Experian replied with credit report dated XX/XX/2020 report # XXXX shows the item was deleted from my credit file. Now the item has been reinserted on my credit report. I sent Experian a letter on XX/XX/2020 advising them in accordance with the requirements of the FCRA, I hereby requested their complete compliance with all the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to the insertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be inserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ) a consumer reporting agency shall provide to a consumer in writing no later than 5 busin
ess days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted.

( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 



I received NO such notification. This is a serious violation of the FCRA After I send the letter to Experian, they still have no removed the 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 explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
i have contact this agency via a dispute i dit, this loan i never get any paper word or deb note for collection, so i can appeal or pay or find out why i old this much, Also this deb should be on loan for forbearance since the national emergency covi 19 pandemic, but they still report this to my credit as a collection account. 

all this steps they take are illegal.

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 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2020 : charge from XXXX XXXX XXXX for {$99.00} taken from my account. 

I did NOT authorize this transaction. 

Bank sent a statement of transaction. I do not recognize the transaction. It is not a product I would ever use from a business I have never heard of. No product was EVER delivered. I did NOT authorize this purchase. This is criminal and investigations should occur with prosecution of the business that has stolen my money and info. 

Bank has refused claim. 
I tried to contact bank again and waited over 45 minutes and representative hung up while I was discussing the details of this case. 

I have tried to call back and there is no one to talk to, only robots that ask for your critical sensitive information such as social security and pin number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX because there are 7 hard inquiries on my credit report that I am not familiar with. I asked them to investigate this matter and they did not attempt to do so. Instead they told me to contact these companies the inquiries are based out of and do it myself. The inquiries include XXXX  XXXX XXXX XXXX, XXXX XXXX Capital One, XXXX XXXX, XXXX and XXXX XXXX. They will all likely not be able to verify my correct information so I was hoping someone could get these inquiries removed from my credit report as soon as possible as it is damaging to my credit. 

My Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX My contact phone is XXXX My Social Security and Birthdate are XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 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: INVESTORS BANK
State: NY

Complaint narrative:
At the end of XX/XX/2020 my mortgage bank, Investors Bank, offered me a forbearance for 3 months due to Covid-19 pandemic issues.

The bank said I won't be penalized by this forbearance, but I was, indirectly. 

My monthly payment was around {$4200.00}. And after the forbearance began they added that unpaid amount that included principal, interest, and tax escrow to my total loan balance. 

In XXXX they extended my forbearance until XXXX, so by the time my forbearance ended my loan balance as reported to the credit bureaus has increased by almost {$25000.00}. On several occasions, my 3 credit reports blamed this increase in the lowering of my credit score. 
I began making my mortgage payments again in XXXX when our financial situation improved, and Investors Bank said they would report the correct loan balance to the credit reporting companies in XXXX. 
As of today, my loan balance is {$320000.00}, but both XXXX  and XXXX are still reporting it as {$340000.00}. XXXX is reporting one month behind at {$320000.00}. 
I have notified Investors Bank several times, but it doesnt seem to help. I began a dispute with XXXX  two months ago, but nothing has changed. I can not get through to XXXX  to file a dispute, and I have tried numerous times.

So, I have two issues, first, the forbearance was not supposed to hurt my credit, but the way Investors added {$25000.00} to my loan balance did affect my credit score.

Second, I feel Investors is not doing enough to correct the reporting on my credit reports. 
I have attached documents showing the increase in loan amount on the credit reports and the lowering of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
There really wasn't an option for my issue. Chase Credit Cards closed my account late last year because my last name didn't match my new married name on the joint bank account I was paying from XXXX not the issue, but none of the other cards did that ). My issue is that since the cards have been closed, they will not allow me to pay off or pay more than the minimum. I am guessing this is not ok, and I am hoping it is not acceptable. 
I sent them an email with my issue today also telling them that I was filing a complaint. It isn't my computer, I have tried different ways and refuse to pay a fee by calling in a payment. I shouldn't have to pay their high interests fees for years if I can pay it off today or even pay more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Hi these late fees are making it more and more difficult to pay anything during this critical time. I have over 7 immediately family members currently with XXXX  and 1 XXXX. This additional stress of auto dial calls and fees are adding a hardship. I have sent a request in writing not to violate my TCP rights and Loancare continues. I want these late fees removed and these auto dial calls to cease

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 2020-12-07 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 — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX because there are 7 hard inquiries on my credit report that I am not familiar with. I asked them to investigate this matter and they did not attempt to do so. Instead they told me to contact these companies the inquiries are based out of and do it myself. The inquiries include XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Americredit and XXXX XXXX. They will all likely not be able to verify my correct information so I was hoping someone could get these inquiries removed from my credit report as soon as possible as it is damaging to my credit. 

My Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX My contact phone is XXXX My Social Security and Birthdate are XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020, I initiated a dispute to the 3 main credit reporting bureaus, XXXX, XXXX, and Experian for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.

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 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I received a gift card ( Visa Vanilla Gift Card Issued by XXXX XXXX XXXX as a gift and the card was fraudulently used. I approached the company to file a complaint I was told I had to go to the merchant, I spent my time going to the merchant in which the card was fraudulently used at and they refunded the money. I then went to use the card in another attempt and the card had already been used again. The bank is now refusing to help and refund the money again. I have requested a refund and a new account number and been denied even though the current one has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: ERC
State: NY

Complaint narrative:
On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I received 2 calls and 2 voicemails prior to XXXX from Ford Motor Credit ( came in at XXXX ). Voicemail stated it was XXXX calling and that I needed to call her back at XXXX ext. XXXX. I've had this problem with them calling early like this before. I do have a debt with Ford but they should not be calling me this early - it is outside of the times allowed per the FDCPA. I want that to stop and XXXX to be reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: NY

Complaint narrative:
My wife had XXXX XX/XX/XXXX. After the XXXX no bills from XXXX XXXX were sent to us. Summer of XXXX we received a collections notice from Revco Solutions to which we immediately called. Between Revco and XXXX health it was determined that the wrong insurance was charged. I provided everyone with the correct health insuarance and now months later I get another notice from Revco Solutions. I literally just got off the phone with them XX/XX/XXXX @ XXXX explaining this. The were not willing to help but this time told me I could pay and take it up with my insurance. 
My primary health insurance has not changed since XX/XX/XXXX. Our secondary is XXXX since XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
The account in question in discussion is GM Financial Account # XXXX the issue at hand is a late in XX/XX/2020 and XX/XX/2020. Due to Covid-19 I was unable to make the payments. I tried calling to defer the payment and could not reach anybody at GM Financial. When I was well enough I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation