vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I'm recently divorced and lost almost everything but this house. During Covid I took advantage of the deferred house payment that they offered me. In that time I was able to pay off the debt that I'd accumulated from the divorce and had moved my credit from XXXX up to over 700. In XXXX they sent me a modification that arrived at my house on XX/XX/XXXX, and it had to be back by the XXXX. I was traveling for work and was gone that entire week. My ex-wife 's name was on the Deed and not the loan so I couldn't turn it around in such a short time. Meanwhile I made the XXXX payments that they asked during the " trial '' process. They then offered me a second modification in which I had to get a Quit Claim Deed signed by my ex-wife. I did everything on time, but they said that the QCD, wasn't registered in the courthouse. I proved to them through emails that it was and sent them the appropriate documentation. Each time I called them, I was told something different, " we've got everything '' the next time it was " we are missing the QCD ''. So onto round 3 of the modification, and my interest rate went from 2.875 % up to 4.5 %. As I was working through this, they chose to report to the credit agency that I've missed my payments. Which I've never done. They NEED to Fix my credit, so I can take my business elsewhere. At this point, nobody will touch me because my credit is in the low 600 's or high 500 's. They literally are destroying me and any opportunity to work with other banks. I've got pages of documentation and they record each and every call that I've made, and nobody will listen. I try to call my " Relationship XXXX '' and unless I have a scheduled appointment she can't talk to me. I try to schedule an appointment and it's 2-3 weeks out and at that point, I will miss the deadline on the 3rd loan modification. Please HELP! I'm going to lose everything.

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 2022-05-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been disputing accounts with Experian, XXXX and XXXX in the last 2 months, The have not yet conducted an investigation nor the comments read " in dispute. '' They are now in violation of the FCRA

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
EXPERIAN sent out a letter giving FALSE information to XXXX XXXX. 
Attached is the letter sent to XXXX by EXPERIAN. 

As of XX/XX/2022 Experian stated that key factors that adversely affected my credit score were : Lack of recent installment loan information ..... Which is FALSE! I have over XXXX of credit history with no late pays or negative information. 

Time since most recent account opening is too short .... Which is FALSE! 

Too many accounts with balances... Which is FALSE!... I have just a couple of accounts with small balances that are normally PAID IN FULL EVERY MONTH!!! 

Too many accounts recently opened ... .. FALSE! I recently opened an account with XXXX for approximately {$23000.00} and paid it off within 30 days. 

I have worked hard to maintain an EXCELLENT credit score ( approx : 840 ) and don't need it trashed by Experian giving out FALSE information! 

Furthermore .... it is IMPOSSIBLE to have the opportunity to talk to someone from EXPERIAN. I have notice over the years, a lot of info in my report was inaccurate.

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 2022-05-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX opened : XXXX XXXX {$2800.00} XXXX XXXX opened : XXXX XXXX {$110.00} XXXX XXXX XXXX  opened : XX/XX/2018 {$3100.00} 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 non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX opened : XXXX XXXX {$2800.00} XXXX XXXX opened : XXXX XXXX {$110.00} XXXX XXXX XXXX  opened : XX/XX/2018 {$3100.00} 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 2022-05-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Pennsylvania has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Pennsylvania has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of XXXX during the merger of Suntrust with BBT there were withdrawals from our account to unknown commercial entities. Suntrust corrected this, but no explanation was provided so we decided to switch to another bank. 

In XXXX of XXXX, we closed our accounts at the new merged Truist. In XXXX of XXXX, Truist allowed an automated debit to a closed debit card. In XXXX of XXXX they sent us a notice that we owed this charge plus a fee totally about {$32.00}. 

This we paid in early XXXX of XXXX. Then in late XXXX, they sent us another notice we still owed {$55.00}. This we also paid. 

When we log in to the accounts they still show as open. 
We want the account to be closed nor do we feel we owe them for the charges of {$32.00} and {$55.00}.

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 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I am a victim of identity theft and have filed a FTC report and police report and notified every accounts company that was opened fraudently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 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 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 2022-05-24 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 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 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 2022-05-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. below i have listed several accounts that are recognized as fraud : 1 ) XXXX {$660.00} date : XX/XX/2022 2 ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  USA ) {$1300.00} XXXX 3 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) {$740.00} XXXX 4 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$400.00} XXXX 5 ) XXXX {$6500.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. below i have listed several accounts that are recognized as fraud : XXXX XXXX XXXX {$660.00} date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  ) {$740.00} XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$400.00} XXXX XXXX ) XXXX XXXX$6500.00} 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 2022-05-24 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: NY

Complaint narrative:
On XX/XX/XXXX and XXXX two retailers refunded to my account a total of {$10000.00} for a vacation trip that I had to cancel because of a XXXX XXXX. Approximately XX/XX/XXXX I contacted the Bank America Credit Card Co ( XXXX ). to request a refund of my credit balance. I was at that time informed that a refund would be sent to me by a check, in the amount of credit balance after my cc ( credit Card ) balance was paid off in about 10 days. So I waited and on XX/XX/XXXX I checked my cc balance and no action had been taken because I still had a very large credit balance. I called again and I was then informed that I would receive a refund directly into my checking account, the account that I have used to pay the balance for all three ( 3 ) of my BA cc 's. This would take 2 to 5 business days. On XX/XX/XXXX I checked my account and no action was taken. I contacted the XXXX XXXX and after explaining my problem again and getting no where I asked to talk to a supervisor ( SV ) after waiting 20 minutes I was told that the SV would call me back. I waited until today XXXX and called again. After explaining my problem again I waited for the SV and after waiting I was told to leave a message and the SV would call be back. The rep then transferred me to the Auto Loan Dept. not the SV. So I called back again and after explaining my problem again the rep took my info and said the SV would call me back. 

I believe that I have done all that I can do and the XXXX XXXX is just giving me the run around while they keep my money. I need your help.

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 2022-05-24 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: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I have valid charges totaling {$120.00} with Comentity. I called to make a payment and ask for a {$29.00} fee reversal. I was advised they would credit {$15.00} and I gave them my account info to pay {$68.00} which included interest charges. I was advised the remaining full balance was approx. {$130.00}- they could not give me an exact amount. So I went online with my bank and XX/XX/XXXX {$130.00} was taken from my account. On XX/XX/XXXX {$130.00} was returned. When I called Comenity they said it was an incorrect account number, I asked them to reapply the payment. They said they would research it and sent me a letter and said not to pay the acct in the interim. Now my bill is {$190.00} and my credit reports are showing me past due. I just want to pay the {$120.00} and no more than one fee. This is unreasonable. You can not get thru to either Comenity bank phone number -- they tell you at each prompt, that you have reached an unworking number, you can only go into their pay by phone feature where they force you to say you can not pay zero, or you can not move forward in the system. This is UNETHICAL!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2022, I sent an FTC Report, my State ID, and 15 USC 1681c-2 to Equifax by Certified mail. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MD

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately :

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 
XXXXXXXX XXXX XXXX  : Last reported : XX/XX/2022 Open balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX XXXX : Last reported XX/XX/2022 Open balance : {$700.00} XXXXXXXX XXXX XXXX  XXXX TX : Last reported XX/XX/2022 : Open balance : {$430.00} XXXX XXXX XXXX  XXXX XXXX : Last reported XXXX XXXX, XXXX  : Open balance {$250.00} XXXX XXXX XXXX : XXXX XXXX XXXX  : Open balance {$230.00} XXXX  XXXX XXXX XXXX : Last reported XX/XX/2022 : Open balance {$62.00} 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 an account without my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 
XXXX XXXX XXXX : Last reported : XX/XX/2022 Open balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX : Last reported XX/XX/2022 Open balance : {$700.00} XXXXXXXX XXXX XXXX  XXXX TX : Last reported XX/XX/2022 : Open balance : {$430.00} XXXXXXXX XXXX XXXX  XXXX XXXX : Last reported XXXX XXXX, XXXX  : Open balance {$250.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : Open balance {$230.00} XXXX  XXXX XXXX XXXX : Last reported XX/XX/2022 : Open balance {$62.00} 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 an account without my written authorization.

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 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
Ive gotten at least 1 phone call a day roughly for about the past week or so, despite my number being registered with the do not contact list. I heavily suspect this number is a scam as Ive XXXX it and most people report it as a scam. Ive gotten both robo calls and real people leaving me messages. The woman leaving the messages never asks for a specific name nor does she express what the debt is even for. The only debt that I have is for a car loan which I pay every 2 weeks to a credit union. The woman says she is from national enterprise systems but again the number thats calling is not attached to them anywhere online and most report it as a scam. Ive never talked to her directly and would like them to stop contacting me. Again since last Wednesday theyve called me every single day sometimes more than once in a day. XXXX ( XXXX ) XXXX unknown this is the number thats been calling me.

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 2022-05-24 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: MD

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This the item I demanding to be deleted immediately

Company response to consumer: Closed with explanation