vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I was sick in XX/XX/2023. I had XXXX XXXX  & requested for Forbearance from XXXX XXXX via Rocket Mortgage LLC, Loan Servicer, but unfortunately, Rocket Mortgage LLC didn't forward my request to XXXX XXXX, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that Rocket Mortgage LLC is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that Rocket Mortgage LLC is behaving this with me because I am a XXXXXXXX Person of XXXX, XXXX XXXX XXXX XXXX. 
I want CFPB to take action against Rocket Mortgage LLC for harassing People of Color & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX refuses to remove the late fees associated with my non payment due to financial hardship from leaving a XXXX XXXX situation. When I got my taxes I paid my charges balance and interest in full. I've tried to contact them several times. It has been a very difficult and never ending stress trying to turn my credit report around

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 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: MD

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am an victim of identity Theft and did not make the charges. Please take a look at the fraudulent accounts and remove them as quickly as possible.

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 2023-05-17 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: NC

Complaint narrative:
Filed complaint on XX/XX/XXXX regarding a late payment with XXXX XXXX and late payment is still listed XXXX XXXX Last payment XXXX, XXXX Account number XXXX View full complaint Previous case complaint # 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 2023-05-17 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I went through forbearance during Covid, Was 24 months without employment income, exited through a Mortgage Modification Plan in XXXX, XXXX My adjustable mortgage was at 3.625 % during forbearance and was increased to 5.625 % during the Modification and remained at 5.625 % fixed after modification. I have always personally paid my property taxes and insurance premiums when due. The servicer insisted on an escrow account. 
The qualifying payment during Modification was {$3400.00}. Modification was then approved with a monthly payment of {$3300.00}, very close to the Modification payment as I was told it would be. I agreed and could afford that. 
Three months later a letter stated that the new payment would be {$3700.00}. I called my Relationship Manager and she was upset that a longer period had not been granted to pay off the escrow deficiency. She had the escrow repayment period extended from, I believe, 19 months to 36 months. The authority was there to extend it to as long as 48 months. The new payment was {$3500.00} from XXXX XXXX to XXXX XXXX. Their letter dated XXXX, XXXX informed that the payment would jump to {$4000.00} as of XXXX XXXX. That huge payment can not be accommodated within my financial means and it may result in foreclosure. I will have to cancel automatic payments from my checking account because I won't have adequate funds there to cover it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: WI

Complaint narrative:
To Whom It May Concern, I mailed you a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from your firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that you examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated.

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 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I had a 12 month promotional rate on my credit card at 0 % interest which expired on XX/XX/XXXX in the amount of {$2600.00} as of the XX/XX/XXXX statement ( attached ). 
In addition to this, I also have a balance transfer on the card at a rate of 1.99 % that does not expire until XX/XX/XXXX in the amount of {$3700.00} as of XX/XX/XXXX statement ( attached ). 

I waited until the day AFTER the first promotional balance expired ; and on XX/XX/XXXX I called Bank of America at XXXX at XXXX XXXX the call lasted 4 minutes ( screenshot attached ). The female representative I spoke with assured me that if I made a payment that day it would be applied towards the higher APR balance that just expired the day before on XX/XX/XXXX. She even said " you might get charged a couple of day 's interest as it will take a day or two to post to your account. '' I said fine as long as it covers my expired balance. She assured me, yes. 

I proceeded to make a payment in the amount of {$2600.00} that same day on XXXX/XXXX/XXXX ( statement attached shows this ). 

Much to my surprise, on XX/XX/XXXX my statement shows that I was charged {$57.00} in interest on that expired balance and still shows an outstanding balance of {$2500.00} that is accruing at a rate of 27.74 %! This is incorrect. The payment I made on XX/XX/XXXX should have covered that high APR balance. It clearly shows that the payment I made actually went towards the lower APR that doesn't expire until XX/XX/XXXX which is NOT what the statement indicates regarding payment allocation. 

Per the fine print on the credit card statement ( snippet also attached ). It very specifically says : " If your account has balances with different APR 's, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in EXCESS of your Total Minimum Payment Due will be applied to balances with HIGHER APR 's before balances with lower APR 's ''. 

This did not happen. 

I again called Bank of America at XXXX on XX/XX/XXXX at XXXX XXXX ( screenshot attached ). I spoke with XXXX in XXXX, IL, the call lasted 39 minutes. I advised him of my issue and he investigated. He said I did everything I was supposed to do but the system misapplied my payment! He said he would escalate this issue and a manager would call me within 48 business hours. That never happened.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-17 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: BOEING EMPLOYEES' CREDIT UNION
State: CA

Complaint narrative:
I had a credit card with Boeing Employees Credit Union Account # XXXX balance of {$6100.00}. My husband filled a XXXX  XXXX bankruptcy XXXX XXXX. : XXXX File Date : XX/XX/2018, and BECU was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accounts 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 these items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MD

Complaint narrative:
Hello, My name is XXXX XXXX XXXX. I am a victim of identity theft and did not make the following charges. Please remove these fraudulent accounts as quickly as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I sent {$60.00} on XX/XX/2022 via " Cash App '' to a restaurant owner with the handle " XXXX '' for payment for food. After I made the transaction, I was told by the restaurant owner that she doesn't have access to the cash app account to refund me the money. I tried reaching out to Cash app around that time to explain that I needed a refund on a transaction due to the vendor declining access to her cash app account. Cash app told me that they were unable to issue refunds once the transaction was completed and told me that the restaurant owner would need to contact them and state the issue. I spoke with XXXX XXXX directly and she never corrected the issue. I also brought this to cash app 's attention in XXXX of this year, still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: IN

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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 2023-05-17 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: LA

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

15 U.S.C 1681 Section 604 A Section 2 : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NC

Complaint narrative:
I received a transaction number and photo of a receipt from a wire transfer, sent by a man who is buying a puppy from me. He has boughta puppy from me eight years ago. We have a history of good, valid transactions between us. Occasionally I have litters and ship them, but need payment prior to shipping and have never had a problem with any wire transfer via walmart in the past ( over ten years or more ). 

Today, when I went to pick up the money, they confirmed via the transaction number that the money had been sent, but refused to pay the money and told me to call RIA at XXXX. I called them and they said the sender needed to call. The sender called them and they asked him questions about ME. How well did he know me? Had he ever met me face to face, etc. etc. etc. 

In the end, they told him he had to get a refund, that they refused to issue the money to me. 

When I called them back, they said they had no record of his call. 

I feel Walmart has no right to deny me the money. They received the money from him, which now he has to go back to the store for a refund, He received a receipt, so what gives them the right to deny me the money? 

This has caused an inconvenience to me, and a discredit to me, since I am the one who asked him to use Walmart in the first place. Now I have an upset customer, as well as no money, and I do not believe it is legal for them to deny funds based on whether or not he has ever " seen me face to face ''. 

I have no pending charges or disagreements with any customers. I have years worth or good reviews from satisfied customers, both on puppy sites and with the XXXX XXXX XXXX 

There is no reason for Walmart to step in and deny me funds. I feel this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: CA

Complaint narrative:
Simply put, the accounts listed herein were not authorized by me, the consumer, to be reported to my consumer credit files, violating the Fair Credit Reporting Act. As this is my surety report, I control what is listed on my consumer credit reports and am hereby demanding the immediate removal of the accounts listed herein. I am NOT requesting validation or verification. I am demanding a removal of the following accounts based on violations committed by you according to the FCRA. According to the Supremacy Clause, when its in the best interest of the consumer and where there is conflict, federal law and the Constitution will take precedence over State law, and company law. According to 15 U.S. Code 1681 ( a ), you are hereby in violation of my right to privacy and information I demand be private and blocked and your reporting of these accounts is a direct violation of the permissible purpose section under the FCRA. The reporting of these accounts are not accurate and therefore must be removed. It is unverifiable due to my refusal to give you consent to communicate with other parties on this account without my consent as this is inaccurate. 

TAKE NOTICE THAT YOU ARE IN VIOLATION OF 15 U.S. CODE 1861C-2 IF YOU FAIL TO REMOVE THE LISTED ACCOUNTS AS REQUIRED AND MANDATED BY LAW. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I did not provide you with a permissible purpose to report any of these accounts which is a violation of 15 U.S. Code 1681b ( 2 ). I have provided you with proof of identification, a copy of the required identity theft report, a list of the accounts along with a statement advising that none of those accounts were transactions authorized by me, the federally protected consumer.

Company response to consumer: Closed with non-monetary relief