vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be XXXX percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Action In Rem : I forgot to mention that in previous bankruptcy court hearings couple years back with BOA attorneys the same bankruptcy judge mentioned that only action in rem might be available. In rem action by definition has to be judicial as it is not against a particular person and there must be a verified complaint, not just standard non judicial notice, and title has to be validated, similar to quiet title action. 

Bank of America is intentionally ignoring the past hearings in the same Bankruptcy Court suddenly filed another cookie cutter XXXX non judicial notice personally against me, as if they didnt listen to the judge, my XXXX case is still open, I filed an adversary against this foreclosure and BOA filed motion to dismiss claiming I have no standing to defend myself, with that same XXXX judge in the same lead case 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 2022-07-16 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: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
My XXXX  account was compromised and I had {$400.00} stolen out of my account through debit card on XX/XX/XXXX and on XX/XX/XXXX another {$310.00}. I reported it to the bank right away because it was stolen through friends & family option and XXXX  NEVER sides with the victim when the money is stolen through that option. The bank denied my claims within just a few mere days and told me to take the problem up with XXXX because I " authorized '' them to charge my card. So I opened a dispute on XXXX  and my claim was declined in just a few hours. They told me I was responsible for keeping my account secured and basically blaming me for having my account used without consent. I contacted the bank again today ( XX/XX/XXXX ) and they told me they wont re-open my case because the investigation team refuses to look it over again. I asked if I can speak directly to the investigation team because this is so unfair on my part and the employee told me I can't. I asked if I can at least speak to the supervisor and they said I can't. The person I was on the phone with proceeded to tell me to negotiate with XXXX and there's nothing anyone can do. I'm scammed out of {$700.00} and no one is helping me get it back. One side is blaming me for not keeping my account secured and the other side refuses to let me speak to anyone useful on my case. My bank is Bankmobile XXXX and the other company involved is 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 2022-07-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company name is XXXX XXXX XXXX ( XXXX ). 
I applied and reseved a loan on XX/XX/XXXX. I paid the full amount loan due {$900.00} on XX/XX/XXXX. They are reporting to XXXX and Experion credit services that the account was not closed until XX/XX/XXXX 120 days late ( XXXX ) and XX/XX/XXXX 180 days late ( Experion ). 
I tried to filed a complaint with XXXX on XX/XX/XXXX their website would not allow me to upload documents. After calling XXXX representative stated information was correct and only XXXX could change it. I have called XXXX numerous times to no avail.

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 2022-07-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a user of XXXX  XXXX. I reached out to XXXX XXXX  to inform XXXX XXXX that Equifax and XXXX are not updating my account correctly and informed them that for months my account appeared as if a freeze was placed on the account. In the year of XXXX and part of XXXX items fell from my credit report with no additional changes made to the score after the items where removed. In XXXX of XXXX, There was a major difference between the scores being reported from XXXX and Equifax. The companies refuse to update my scores correctly in a timely manner and has stalled in doing so. Companies like XXXX XXXX XXXX XXXX XXXX was able to continue to report items through different collection agencies after the item fell from my report years ago. It has been well over 10 years since I last did service with XXXX XXXX. Based on the time frame, XXXX XXXX  should not have been reported on my records recently or contributed to my score factors including the stalling process. I am not being provided with fair offer from creditors such as XXXX  XXXX or loan companies based on credit reporting agencies such as equifax and XXXX XXXX The only cards i am offered are secured and based on my credit score, I find this as unfair practices. I have medical bills on my record that I am not aware of and a hard inquiry associated with a mortgage loan that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not give Experian oral or written permission to furnish the information that is on my consumer report. This has caused undue stress upon me and my kids trying to find a home and I am a Veteran with 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 non-monetary relief
Consumer complaint received 2022-07-16 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Gentlemen, In XX/XX/2022 I was contacted by a company named Affirm saying I owed {$29.00} for a XXXX  XXXX  charge of {$290.00} of which {$260.00} had been paid. I advised I have no knowledge of XXXX XXXX  nor have I done business with them or Affirm. I also requested they send me details of the charges on at least 5 occasions and they refused. They continued to contact me, excessively, which I believe to be harassment of the elderly. They also threatened to report me to XXXX and/or other reporting agencies. Again, I told them I have an excellent credit rating but will not pay a bill with no transaction proof or information. They couldnt even provide information on who paid the {$260.00}. They seemed to have a great deal of information about me but none about the alleged charge. There is also no record of XXXX XXXX or Affirm making a credit inquiry. Is it not customary to check ones credit before extending credit? The only thing on my report is Affirm reporting me to credit bureaus for a late payment of {$29.00}! 
I believe this is either a scam or dirty business tricks on old people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX 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 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had 2 Citi credit cards. The Citi Prestige card and the Citi Premier card. The Citi Premier card was due for renewal, so I decided to downgrade it to a no annual fee card and keep the Citi Prestige. I called Citi Customer Service on XX/XX/2022 and spoke to a supervisor named XXXX from team XXXX. The purpose of my call was to combine my XXXX accounts, then downgrade the Premier card to the Reward Plus card. This way, I would not lose the ability to transfer points to airlines and prevent the combined points from having an expiration date. I explained to XXXX what I wanted to accomplish on the call. XXXX was helpful and worked with me for almost an hour to make sure things were done as I requested. He confirmed the following : XXXX. Citi Premier XXXX account was transferred and combined with my Citi Prestige XXXX account. XXXX points were combined with my Citi Prestige XXXX account for a new balance of XXXX points. I did notice the balance that was being reflected online was XXXX points ( this was before my XXXX statement was generated ), but he said it would be reflected within XXXX hours. 

XXXX. He confirmed none of the new point balance would have an expiration and that I would not lose the ability to transfer any of the points to airlines. 

Today, I checked my Citi account online and noticed that XXXX points were expiring on XX/XX/2022! Please see screenshot attached. Also, I did not see the point balance of XXXX points was more than XXXX points. 

I called Citi and spoke XXXX XXXX XXXX, who was very unhelpful and claimed that there was nothing she could do about the expiration! She claimed that they needed to listen to XXXX 's recording for the next step. I asked about the point balance, but she wasn't willing to 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 non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Remove All Old Addresses and Personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Account paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: FL

Complaint narrative:
I did not give TransUnion oral or written permission to furnish this information on my consumer report. This has caused undue stress upon me and as a XXXX, I have medical conditions that can be triggered by stress.

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 2022-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
We refinanced our home with this company a month after closing we get a call from our broker saying that their underwriter made a mistake and the FHA doesn't accept the type of flood insurance that we bought in the loan application process out of respect to this loan officer we said ok he recommended an insurance agent that we used our new policy was around {$1000.00} more we paid it in full another XXXX weeks we started getting calls that the payment is going to be more and that I need to sign more papers so the price of the policy can go into escrow I told them that was not right and there should be no more signing after the closing, they kept calling and sending me XXXX  XXXX with documents to sign then a supervisor with them call he respectfully said that that was an FHA requirement so I asked him but I paid for the policy for a year why should I pay it over again I even offered to pay for another year so my monthly payment doesn't go up he said no it's required by FHA come to find out that is not true also in 3 months I paid OFF more than XXXX of balance not payments but that have not been reported as making payments on time I was intimated by fearing for my house into signing for the payment broker company name is silverton mortgage supervisor name 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 2022-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
I received a VA loan for my home from land Home Financial. During COVID they offered payment assistance for the mortgage that was to be resolved by a loan modification. I received a loan modification which was supposed to have a three-month trial and if all provisions were met, then it would become permanent. I sent in all the notarized documents in XX/XX/2021 and made monthly payments as stipulated. I also obtained tracking information to as proof that the company did receive the loan modification paperwork. About two months later, I began to receive collection information to which I called the company and resent the loan modification docs and proof of delivery. Also noted that the company cashed the certified check that was requested of me. I continued to received collection notifications over the ext 17 month, I called the company XXXX times, requested to speak to a manager, and was told managers don't speak with borrowers. They directed to me three different divisions within land home financial. This company only communicated by generic email addresses so you never really get the chance to speak with a person whom toy can call back or provide further info. I have made every mortgage payment in a timely fashion and sent proof but they still insist on the collection and potential foreclosure. Recently I found out my loan modification was never entered into their system or processed. Again, i was told to call back in a week all the while, i make monthly mortgage payments that my back insists are made and provide electronic proof of transfer while Land Home Financial still struggles with answers as to why the loan modification was never processed and why the money I spend every month is not applied to my mortgage. Since I have tried in vain repeatedly to get answers, I finally resorted to hiring an attorney in the hopes that I can get answers and land Home Financial attention to solving a problem that should never have existed in the first place. I hated even spending XXXX dollar to hire a lawyer as this was totally unnecessary if their departments would communicate with one another. This company will provide the VA loan but are completely unreliable at servicing the VA loan appropriately.

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 2022-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a user of XXXX XXXX I reached out to XXXX XXXX to inform XXXX XXXX that XXXX and Transunion are not updating my account correctly and informed them that for months my account appeared as if a freeze was placed on the account. In the year of XXXX and part of XXXX items fell from my credit report with no additional changes made to the score after the items where removed. In XXXX of XXXX, There was a major difference between the scores being reported from Trans-union and XXXX. The companies refuse to update my scores correctly in a timely manner and has stalled in doing so. Companies like XXXX XXXX XXXX XXXX XXXX was able to continue to report items through different collection agencies after the item fell from my report years ago. It has been well over 10 years since I last did service with XXXXXXXX XXXX. Based on the time frame, XXXX XXXX should not have been reported on my records recently or contributed to my score factors including the stalling process. I am not being provided with fair offer from creditors such as XXXX  XXXX or loan companies based on credit reporting agencies such as XXXX and trans-union XXXX The only cards i am offered are secured and based on my credit score, I find this as unfair practices. I have medical bills on my record that I am not aware of and a hard inquiry associated with a mortgage loan that should not be there.

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 2022-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
At some time in 2019, I ordered a toolbox online. The transaction was charged to my PAYPAL CREDIT ACCOUNT # XXXX. Synchrony Bank, a debt collection company ( as stated on their communications ) is handling the issue. 
After more than 30 days time, I had still not received the ordered item but I did get a statement from PayPal Credit showing the purchase. I believe that there was a minimum payment due. I paid it. I then began in earnest to track the seller. Very long story, but hes a scammer from XXXX and is well known on the internet. I guess PayPal would have more information about him as they obviously sent him a payment. 

Subsequent investigation shows the seller may show a mailing label as proof of delivery. Representatives on the phone from the collection agency admitted to me that they are aware of fraudulent shipping label or delivery information. 

XXXX XXXX XXXX XXXX and I never received the ordered merchandise. Synchrony Bank has been asked many times to send me proof ( verified ) that I received it and Ill pay it. Not a mailing label. A commercial shipping document showing where it was shipped from and where to be delivered. Proof of delivery. If a commercial delivery was made to my address then they will have a document saying do. I never received anything. 

PayPal was aware I had not received it. I told them when I made the minimum payment. And during this entire time period Synchrony Bank has been adding late fees, adding additional interest on top of the balance every month.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Remove All Old Addresses and Personal information

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