vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Why Bank of America and XXXX keep lying about what type of Loan this is? They keep reporting this is a Conventional Loan, knowing this is a XXXX XXXX. We built house in XXXX, XXXX finance. Loan was refinance one time in XXXX with BOA refinance for {$10000.00} dollar for remodeling. CFPB claim no # that was reported XXXX XXXX with BOA and XXXX XXXX. XXXX, XXXX, XXXX XXXX, they are lying about this is a Conventional Loan? This loan has XXXX Loan no # and XXXX FHA no #. We have never miss a Loan payment. This complaint is about Bank XXXX. BOA have a mortgage scan and it need to be investigated. Have them produce payment history starting XXXX We never had a Partial Claim. Our payment is {$1300.00}. We live here almost XXXX years we owe more on house now than when we built it. XXXX put {$400000.00} insurance on house cost {$3700.00} with the {$2600.00} we already had. Which made a total of {$6300.00} paid. Taxes not paid lien on the house. Have BOA show the payment history for XXXX, XXXX, XXXX, XXXX of XXXX ( XX/XX/XXXX someone from BOA call and said they wanted my husband to sign authorization to speak to me. That there is not a XXXX party on the loan. I inform her that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on the Deed. That XXXX XXXX XXXX is on the mortgage. I told her XXXX XXXX she call and said I need in writing authorization from my husband. I sent it over she said it wasn't his signature he sent another. She said she was setting up a security sight to communicate with us. It was through XXXX XXXX. We never heard from again. Later my husband signature showed up on a Subordinate deed document It was the last page only his signature. We never heard from her again, until XX/XX/XXXX. She call and said she was sending a form for us to sign. I told her we were not going to sign anything. I told her what happen before. She got mad and Close all Bank America claim from CFPB stating no 3rd party on the loan. ( We are not going to sign any documents from Bank America ) If they don't process these Complaints due to my name not on Loan I will go to Dept of Justice. My husband XXXX XXXX XXXX give me his wife XXXX XXXX XXXX XXXX on his behalf

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 2022-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
XX/XX/2022 sent company A Cease and Desist letter with a a Conditional Acceptance. please see attached documents for Affidavit of Oath. Company is now in Default of Notice. Company has violated the Fair Debt Collect Practices Act My right to privacy has been Breached. inaccurate information has been reported to a third party without my written consent. 

ATTCHED DOCUMENTS HAVE BEEN SENT CERTIFIED USPS as well.

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 2022-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arena Investors, LP
State: AA

Complaint narrative:
I spoke with a representative who claims her name is XXXX XXXX XXXX XXXX Now and that they purchased my auto loan. She threatened me with repossession and initially asked me to send in {$3300.00} so that they would allow me to continue paying monthly payments for my XXXX XXXXXXXX XXXX. She said the alternative would be for me to agree to pay {$2800.00} a month via an automatic draft. I told her that was too much to ask. She put me on hold then came back and said they would take {$500.00} payments if I start payment that day. I paid the {$500.00} and asked if I would receive a receipt and loan verification documents. 

I did not receive any documents, but the automatic drafts continue. I called XXXX more times and requested to see the original contract with signatures, my biographical information matched to the loan ( i.e. SSN, DOB ), my address at the time of purchase, balance statement, payment history, pay-off amount, promise to pay agreement, and receipts for the payments already paid. XXXX XXXX and XXXX XXXX, the last representative I spoke with, told me that they did not have any of that information. They would have to contact a liaison and did not know when I would be provided a balance statement or any other loan documents, that they might " pick my car up before then ''. 

I requested the address for the home office and was provided the following contact information : By mail : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NJ XXXX By phone : XXXX ref account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was scammed using XXXX XXXX  while trying to sell a couch. The couch was listed for {$1000.00} USD. The scammer messaged me on XXXX and said they were very interested in the couch and wanted to XXXX me for it as soon as possible. I sent the scammer my information in order to XXXX me and they sent me a fake screen shot showing she was zelling the money to me. While I was waiting for the {$1000.00} XXXX to reflect in my bank account I was then sent fake e-mails from the scammer posing as XXXX explaining that in order to receive the money I had to create a XXXX business account considering the funds were {$1000.00} and in order to do that I had to ask the last sender to send me {$800.00} and then I had to send the {$800.00} back and I would then get a lump sum of {$1800.00} USD deposited to my bank account once that was confirmed. I then realized I was getting scammed because I never received the {$1800.00} USD into my checking account. I immediately reached out to TD bank because my XXXX is through TD bank and explained the situation and they investigated it and then 10 business days later told me I could not be reimbursed because I authorized the transaction to the scammer. I lost {$800.00} of my own hard worked money because of a XXXX marketplace scam that allegedly happens often to people who use this application and still XXXX marketplace does not have any warnings on their website to warn users of the potential for scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX canceled my flight ( XXXX ) to XXXX, on XXXX XXXX on XXXX 's Day weekend ( CONFIRMATION # : XXXX ). I booked a package with XXXX XXXX ( flight & hotel ) for 2 nights. XXXX refunded me my flight tickets and only 1 night hotel stay! I'm out {$370.00} due to canceled flight. And Citi is the siding with 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 2022-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear, Equifax, XXXX, and XXXX XXXX XXXX, Dispute Resolution Departments Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed/deleted in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX  As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX ; XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: NY

Complaint narrative:
I Did Not Authorize Nor Consent To The Following Inquiries Being Furnished On My Consumer Reports. 

1. XXXX XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have asked the ( 3 ) credit bureaus to do a thorough investigation and continued to find improper discrepancies, as my rights have been violated. 

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  Account number XXXX XXXX U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 602A It also states a consumer reporting agency can not furnish account without my written instructions. 

The record continuously shows verified with no update in status date of verification and or providing improper discrepancies.

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 2022-09-24 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following : *My RIGHT as a consumer to extend credit From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! 

There is no such law that states that anything must be reported to a consumer agency. Therefore, your organization is liable! 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account Portfolio XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXXXXXX, XXXX # XXXX from my consumer report and ALL remarks. 

Upon further research 15 USC 1681n states that each violation for willful non compliance is {$1000.00} per violation. 

I hope these accounts are removed swiftly after months and months of my reputation and character being ruined! 


Thank you for your cooperation. 

Sincerely, 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 2022-09-24 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:
So I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, and XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people.

These are clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On or around XX/XX/XXXX Chase Bank was advised that my Business account for XXXX XXXX XXXX was experiencing fraudulent charges including but not limited to withdrawals ' ATM .. and credit card charges that were not mine. 

I was told to call Customer Service. Customer Service did not help. 

On or around XX/XX/XXXX XXXX I went to th chase Bank branch on XXXX XXXX XXXX. All I asked was for my account number and routing number. I was in XXXX Virginia for three weeks which I can prove and when I mentioned that to the clerk she immediately stood up and called security. I left without saying a word. 

I'm an American Citizen and pay SC taxes on my business and I would like to have my account number and routing number as I was never given any checks. They do not seem to be willing to cooperate nor investigate the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC 1681 section 602 a states : I have the right to privacy.

15USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX I lost my husband XXXX XXXX XXXX. I notified the mortgage company, SN Servicing of his death. His was the only name on the mortgage. I wanted to take over the loan and get a loan modification since I would no longer have his income to pay. I don't recall the date I contacted them, but spoke to a gentleman named XXXX who assured me he would get the paperwork I needed to me. My husband and I were in bankruptcy at the time of his death. I did not receive any paperwork. I continued to pay the mortgage as best I could while dealing with social security on another matter that affected my finances. The mortgage company contacted the bankruptcy attorney and stated that I had not been making payments. I pulled the online documentation showing that I had made the payments in question. In XXXX of XXXX, I voluntarily dismissed the bankruptcy case to try and get a favorable deal with the mortgage company or find another company. I was contacted by XXXX XXXX from SN Servicing. She did send me the paperwork that was needed to modify and take over the loan. She stated in our phone conversation that the company would not reduce the interest of 12.6 % on the mortgage. I completed all of the paperwork and returned it to the company. I was sent an agreement that increased my payment from {$1100.00} a month to {$1500.00} a month. This agreement included my huband 's ex-wife 's name. I signed the agreement for myself and notified them that she had signed a quitclaim deed when they divorced. I was contacted and told I had to send a copy of the quitclaim deed. I did so and made the {$2000.00} good faith payment. I have attempted to make the payment and was told that I had missed my 1st payment to them. I have a son who receives a survivor benefit from his father 's death, but he will turn XXXX  in four months and graduate XXXX  school in 7 months. This income will no longer be a part of the money we have to pay bills. I am struggling to pay bills because of this payment plan. I have attempted to get a mortgage with another company, but am unable to do so because of late or missed payments to SN Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Vehicle was a voluntary repossession due to Covid and the lender has it listed as repossession with a balance. 

Vehicle was sold to another party.

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 2022-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion Reporting Agency is Reporting False and Misleading Credit information on my credit report this is a direct violation of U.S.C. 15 1681. There are 3 accounts that are reporting False and inaccurate information to my credit report. the accounts in this matter is as follows : * XXXX Violating 15 U.S.C 15 1692d and Violating 15 U.S.C 1692E and also Violation of Regulation F 100.14 and Regulation 1006.34 and Violation 15 U.S.C 1692f. This account is now involved in litigation documents attached.

* XXXX XXXX - Violation 15 U.S.C 1692E and Violation 15 U.S.C 1692G and Violation Regulation F 100.14 and Regulation F 1006.34.this account is also now involved in litigation documents attached.

* XXXX XXXX- Violation 15.U.S.C 1692E. This company is falsely reporting 4x on my credit report 2x as positive which is accurate but then its also reporting 2x Negative which is inaccurate I have reached out to the empire finance in this matter and they have stated that this is inaccurate and it should not been any accounts on my report reporting negatively and that they have an glitch within they system I am demanding that these accounts that they are removed from my credit report immediately it is damaging and effecting my credit score and if this matter is not corrected this account will also be involved in litigation for damages and fraud reporting there should be only one car which is paid off on my report from XXXX XXXX and an accurate account which is a joint account on a car which I co-signed on which is also current only two with XXXX XXXX is accurate.

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 2022-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Due to Fraudulent acitivity on my account Capital One shut my card down. As a result of Fraudulent Activity When I asked them to send me a new replacement Credit Card I was told I have to faq over a copy of my State ID.Card to prove that I am that I say I am, but when I applied for the card they nevernasked me fir my ID then.

Company response to consumer: Closed with explanation