vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Dear Consumer Financial Protection, I had made a complaint prior to you about Bank of America. They encouraged me every three months to do a forbearance when I lost my job because of Covid. BOA reassured me I would not lose my home. I trusted them and I did. After the forbearance period was over, I went through months of sending paperwork over and over and them asking for the same paperwork that I sent over and over. I was getting phone calls saying I was going into foreclosure because I did not qualify for any of their programs and could not get an answer why? After BOA received complaints from your company they sold my loan to XXXX mortgage. I was contacted from XXXX mortgage stating my loan had been bought out from Bank of America. I never received any notices from Bank of America stating they sold my loan. When they sold my loan my credit score went down XXXX points and they reported that I was late while I was in the loan modification, when in modfication BOA would not except any payments.I have worked so hard in my life to build up my credit score it was Excellent score was XXXX now it is fair, score is XXXX. I have tried to contact them several times about this issue with no call back.I justed looked at my credit report today XX/XX/XXXX, and now XXXX Bank also reported I was 120 Days late?? I have been trying to work out this loan since XX/XX/XXXX. 
Thank you for your help 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 2022-05-16 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: Social Finance, Inc.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-05-16 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: MN

Complaint narrative:
Hi This is XXXX XXXX SSN ; XXXX, I sent you a letter last month and I was expecting to get a result or at least a response but until today ( XX/XX/2022 ) I still haven't gotten any. I joined an online discussion about XXXX credit repair online and I learned from some people that you were supposed to provide a response according to FCRA or I file a complaint. Please look into my issue because it's affecting my ability to obtain credit.

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 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: MI

Complaint narrative:
Someone attempted to open a Discover Credit Card in my name. I did not have anything to do this with nor any knowledge of this happening. Discover contacted me and notified me of this. This hurt my credit score and I just want to be safe that I do not get my identity stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The account should reflect that it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The account should reflect that it is paid in full.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hi This is XXXX XXXX SSN ; XXXX, I sent you a letter last month and I was expecting to get a result or at least a response but until today ( XX/XX/2022 ) I still haven't gotten any. I joined an online discussion about XXXX credit repair online and I learned from some people that you were supposed to provide a response according to FCRA or I file a complaint. Please look into my issue because it's affecting my ability to obtain credit.

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 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I was in a Covid-19 forbearance with my prior servicer, XXXX. After my forbearance expired, my advocate submitted a modification application to Rushmore via email on XX/XX/XXXX. We received no acknowledgment of receipt of the application, other than an automated email reply. On XX/XX/XXXX, my advocate sent an email to the same address provided for submitting applications, inquiring as to whether the application had been received. There was no response to this query, other than a similar automated email reply. My advocate called Rushmore on XX/XX/XXXX, and the customer service representative informed her that the application was complete and was " with a processor. '' Today, XX/XX/XXXX, my advocate called Rushmore and the customer service representative informed her that the application was still " with a processor. '' My advocate stated that Regulation X 's time frames for reviewing the application had been exceeded, and the representative disagreed, saying that the application had been deemed complete only on XX/XX/XXXX. Setting aside for the moment that, if that were true, Rushmore still had missed Reg X 's deadline for making a decision on the application, my advocate observed that while Rushmore had never acknowledged receipt of the application, as Reg X requires be done within five days of receipt, neither had it requested additional documentation or information, and no additional documentation or information had been submitted in support of the application since the application was submitted on XX/XX/XXXX. Accordingly, the application was complete when submitted, and review of it should have been completed by XX/XX/XXXX. The Rushmore employee simply told my advocate that she could submit a complaint about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Lundquist Consulting , Inc. ( LCI )  is reporting a bankruptcy on my credit report from the US Bankruptcy Court XXXX XXXX of New York. 
I have a letter from the court stating they do not report to credit bureaus. Or to any third party credit monitoring companies. Nor do they verify or validate any information pertaining to any bankruptcies. 
Lundquist Consulting , Inc. ( LCI ) is falsely reporting this information on my report and to all the credit bureaus. 

I've attached the letter from the court stating as such.

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 2022-05-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/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

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 2022-05-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: GA

Complaint narrative:
In accordance with the fair credit reporting act public record XXXX XXXX XXXX  GA XXXX XXXX XXXX REF # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX  XXXX XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was in federal Prison when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.

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 2022-05-16 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: LEXISNEXIS
State: AZ

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX laced my credit report with Lexis Nexis a false fraudulent entry. The cra fraud by Lexis Nexis & XXXX XXXX XXXX is a XX/XX/2019, my XXXX XXXX XXXX  claim against XXXX XXXX XXXX is on MY CREDIT REPORT and it does belong on my credit report. This XXXX ( XXXX XXXX was his insurance company ) XXXX XXXX XXXX  intentionally. 
Get this false entry off all my credit reports immediately FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I received a letter from transworld systems inc saying I owed XXXX from a previous rental apartment debt they bought. I requested verification from them and they sent a log of invoices from my previous landlord. I reached out to my previous landlord and asked them to confirm that they sold my debt and they told me they had not sold any debt in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The account should reflect that it is paid in full.

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 2022-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC
State: GA

Complaint narrative:
XXXX XXXX was sued in a class action lawsuit regarding repossessions. My debt to them for an auto loan was discharged as a result, and I received a letter as well as about {$50.00} settlement amount. Constar Financial Services , LLC is attempting to currently collect the debt that was settled in the class action lawsuit against XXXX XXXX and has already been removed from my credit report. I called them to bring this to their attention, and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: FL

Complaint narrative:
In XX/XX/2022, the company known as APELLES contacted me about an alleged debt that I do not owe in the amount of {$5100.00}. I have No prior or existing relationship with this company and its affiliates and/or assigns who are unknown to me at this time. This company has obtained my private and confidential non-public personal information without my consent or knowledge and are attempting to defraud me into paying it alleged debts that I do not now nor have never owed to it,. This company has no right to contact me or to attempt to collect any alleged debt from me. This company 's business practices violate my right to privacy as a consumer and also the Fair Debt Collection Practices Act 15 USC 1692. I have demanded several items as proof of the allegations and claims because I am confused as to how this company was able to obtain my private and confidential non-public personal information without my consent or knowledge since I have never done any business with it. 
I do not give consent to be contacted by this company any further nor have I ever given consent to be contacted by this company, I have demanded that this company cease ALL forms of communication with me immediately, I will be filing a formal complaint with the FTC should this company continue to contact me with schemes to violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This is a second complaint submission I have continued to try multiple times to rectify this claim with Wells Fargo directly. Ive contacted the executive office several times as well as high dollar fraud office with Wells Fargo stated its a XXXX XXXX issue and XXXX XXXX states its a wells Fargo issue. My initial claim # XXXX. My police report # XXXX. 

COMPLAINT My account was hacked three times thru Wells Fargo. The charges were all taken from XXXX XXXX from my account to some XXXX XXXX account. the first claim I was able to be refunded. I went to the bank to get a new card. Not too long after similar fraudulent charges again to XXXX XXXX were made. This made me believe my account number it self was compromised I was assured by the bank it was not and they wouldnt allow me to get a new account or withdrawal all the funds from my account as my last name on the account was my married name XXXX not my maiden XXXX. I was divorced and needed a certified copy of my divorce decree instead of the online copy I received as the divorce was done all online during covid. Well for a third time my account was hacked for {$5700.00} and {$2500.00} from the same exact way thru XXXX XXXX and Wells Fargo is continue to deny my claim as I keep trying to escalate it. Had I have been able to get a new account or take my money out of my account as I tried this would not have ever happened for a third time. My concern as well is if I already had two fraud claims just since XX/XX/2021 for large amounts, why wouldnt these charges cause a red flag at the bank? I have filed a police report along with a claim with Washington State Attorney XXXX XXXX. Please help me to get my money back I am a single XXXX XXXX XXXX. 
Might I add if I wouldve been able to withdraw and close my account at Wells Fargo as I tried to this wouldve never happened. I was divorced during covid and only had an online printed copy of my divorce decree which showed my name change. The branch did not allow me to withdraw or close my account due to a difference in last names even though I provided my old license that showed my prior last name of green. I did in fact go to the court to pay for a certified copy of my divorce decree and went into the branch to withdraw my funds after this 3rd hack and little he known the representative at the branch did not even ask me for the certified decree! I need a resolution between XXXX XXXX and Wells Fargo Bank.

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 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I contacted a XXXX XXXX  's office for a consultation and was told that the consultation fee is {$100.00}. I paid my {$100.00} for the consultation and after speaking with the very aggressive medical staff and reading reviews I choose to go with another XXXX XXXX instead. Although I wish I hadn't wasted my money on the {$100.00} consultation I didn't worry about it. After weeks of this XXXX XXXX 's office constantly calling me, I advised them that I didn't want them to call me again I have a right to choose my own doctors. Once I reviewed my transactions on my bank account I noticed that I was charged {$950.00}. I immediately contacted my bank ( Bank of America ) to dispute this transaction because I was only supposed to be set {$100.00}. 

Bank of America gave me a credit of {$850.00} and I was told that they will contact me if they needed any other information. Well, today XX/XX/22 Bank of America without anyone contacting me reversed the transaction so now my bank account is negative {$850.00}. 

How is this legal? A doctor 's office can get upset and charge you {$950.00} and I'm responsible for that balance even tho I'm not even having XXXX with them. Bank of America is terrible and I have zero intentions of clearing up this account balance.

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 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management ( XXXX XXXX XXXX la XXXX XXXX XXXX XXXX XXXX California XXXX ) will not send me the information that I am asking for to validate this debt. Nothing that bares my signature, nothing showing I entered into a contract with this company, proof they are allowed to collect in my state etc. All they keep sending me are computer generated invoices with another companies name on it. I do not know Midland credit management, nor have I ever done any business with this company But yet they continue to report this negative information on my credit and say that I owe them XXXX and XXXX dollars. They just cant put things on peoples credit without proving that it is indeed their debt. Thats not right nor lawful

Company response to consumer: Closed with explanation