vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-21 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: Central Portfolio Control Inc.
State: GA

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 a 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 a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: DISCOVER BANK
State: OH

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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

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 purpose.

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 2022-08-21 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: TN

Complaint narrative:
I have 3 medical collection accounts showing that dont belong to me. I have had these removed from one report but Trans-union and XXXX have investigated 3 times and refuse to remove information. I had XXXX and was able to get XXXX XXXX XXXX XXXX XXXX through market place which paid 100 % of my medical after a Small deductible which was made at XXXX. These charges are fraud! I have respectfully requested documents which have not been provided now I demand it be removed.

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 2022-08-21 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: TN

Complaint narrative:
I have 3 medical collection accounts showing that dont belong to me. I have had these removed from one report but XXXX and Experian have investigated 3 times and refuse to remove information. I had XXXX and was able to get XXXX XXXX XXXX XXXX XXXX through market place which paid 100 % of my medical after a Small deductible which was made at XXXX. These charges are fraud! I have respectfully requested documents which have not been provided now I demand it be removed.

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 2022-08-21 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: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Carrington Mortage bought my loan in XXXX of XXXX from XXXXXXXX XXXX, I found out about this around XXXX of XXXX. I spoke with XXXX XXXX and explained that I had been XXXX overseas since XX/XX/2022. I received an alert from XXXX XXXX that my mortgage had been reported as delinquent on XXXX XX/XX/2022 I contacted the Carrington mortgage company and spoke to an employee named XXXX ID # XXXX and explained to them that I had been making payments and I confirmed that the company had my documents showing I was military and was overseas on an XXXX XXXX XXXX and I had not received any notices of my payments being behind. I requested to speak to a supervisor and was transferred to a supervisor named XXXX ID # XXXX, the supervisor told me he would check with the reporting department and call back. XXXX XXXX XXXX called me back and explained to me that his company was well within the guidelines of reporting me due to the fact that my military documents were obtained by the previous loan company XXXX, he also stated that I had missed my XXXX payment and I was over 30 days delinquent. I have bank statements that show I made the following payments. XXXX payment was made after speaking with the supervisor to stop the company from sending additional delinquency notices. 
XXXX {$1800.00} XXXX - {$1400.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX - {$1300.00} XXXX - {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: TX

Complaint narrative:
This is pertaining to the Attorney General - Child Support information on my Equifax credit report. It shows an open account balance of {$250000.00}, which is very much inaccurate. This account is closed and there is no balance due. This account is closed I have repeatedly asked Equifax to remove an account on my credit report that shows as opened and it is closed. I have provided documentation evidencing this. However, they continue to report it as open and it is negatively affecting my credit. 

Please assist in getting this resolved. I am providing documentation from the courts that this account is closed. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello! My name is XXXX XXXX I am a customer with bank of america and have a complaint already filed with your agency however new development occurred the bank retaliated against me after I notified your agency of their mishandling of XXXX transaction a online transfer not performed by me or anyone on account the BOA system has had alot of glitches and unauthorized transfers with other customers their is currently a class action lawsuit in California with BOA and XXXX for this issue. All BOA says it was a scam and fraud and have mistreated me in the processXXXX  has stated same thing and refuses to refund the money to account They tell me account is frozen it holds XXXX in their denying me access to my account blocked user log in and pass words treating me as a criminal this alone is defamatory in nature. My account should not be closed or frozen. XXXX was notified and they say its bank of america not them.XXXX is responsible for performing a unauthorized transaction I never used XXXX or created accounts with them. I keep getting a run around I message BOA on XXXX  and they keep saying a specialist assigned to the claim will contact me noone does. This is unethical slanderous and defamatory to my character. How can a bank operate like this. I tried every attempt to fix my bank account and restore in good standing the bank refuses to work with me instead of going after XXXX and the scammer they targeted me the victim and deny me access to my account. My account number is XXXX also the XXXX XXXX XXXX XXXX XXXX XXXX unauthorized to a person shown on the transaction XXXX.. I never performed this transaction me or anyone on account has never used XXXX in all our years with bank of america.another issue is their XXXX XXXX is malfunctioning I've taken screen shots it keeps send in notifications of you may have been charged more than once for same transaction and it shows 2 same transactions this causes claims to be disputed. It's a mess .. please assist me with straightening this matter and reaching a resolution with boa.. NONE OF US PERFORMED ANY XXXX TRANSACTION! NONE OF US COLLECTED ANY FUNDS FROM XXXX!!! XXXX is XXXX percen liable for this and boa is as well for allowing XXXX  access to accounts. I am now a victim of retaliation for contacting you about XXXX and bank of america Thank you i can be reached at 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 monetary relief
Consumer complaint received 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Someone tried to open a Bank of America Credit Card in my name using my correct Social Security Number. Bank of America called me to confirm that I had tried to open a new account and I told the bank NO. 

Bank of America gave me the email and phone number of the individual who was trying to Impersonate me and open a credit card under my name. 

The individual who tried to fraud Bank of America using my identity has the following email and phone number. Please try to apprehend this individual ( s ). 

XXXX phone : XXXX Thank You

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 2022-08-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Equifax business partner XXXX to Equifax as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX  XXXX Bankruptcy # XXXX filing. 

I declared and stated to Equifax there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to Equifax by their business partner XXXX who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Equifax or their partner XXXX obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it. 

Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Equifaxs Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLAITON OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLAITON OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Ian exiting forbearance and was approved for state grant it was approved and sent to my servicer Mr Cooper and they say they have yet to receive and this after I was approved for a loan mod that they sent with someone to my house only to deny the mod the next day I am now behind on my payment yet again because of this

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: TX

Complaint narrative:
This is pertaining to XXXX XXXX, XXXX, a collection company, that is reporting a {$95.00} balance on my Equifax credit report. I have contacted Equifax and the creditor asking them to provide evidence of this debt, however they have not responded. It has been months since I asked them to provide this information. They have not. 

Please assist and have Equifax remove this from my credit report since they have not provided proof of the debt. 

I am attaching a letter I sent to Equifax on XX/XX/2022 asking them to verify this debt and provide documentation. They have not responded. 

Please have them remove this item from my credit report. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: GA

Complaint narrative:
I disputed incorrect information on on 2 separate occasions waited the 30 days and did not receive a reposonse at all. One account was removed from my file and placed back on without any type of notice. My rights have been been violated as per the Fair Credit Act

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 2022-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i applied to Capital One Bank USA NA for a XXXX credit card and my application was denied based on the fact they say my account usage and terms of account was not what we agreed on I was to say that's not true in any way this was on XX/XX/2022 I would like to dispute this action and come to term with the company on the truth and I would to be approved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
n XXXX-and XXXX of the year XXXX my credit account had become past due with Barclays Bank Delaware, However I have no memory of nor record of the bank ever trying to contact me to let me know my account was severely past due, and since disputing the matter with them through XXXX, the bank has made no attempt to provide me any backup that they did try to contact me to let me know my account had been past due, and was not on auto pay. I at the time had another account with Barclays that was on autopay and was being paid on time and in full every month, so in my checking accounts, I was seeing a withdrawal to Barclays and had no indication that the account was past due. The Bank again, made no attempts that they've been able to provide proof of that they attempted to contact me at that time to let me know my account was 30 60 and then 90 days Late. And when I finally became aware of the mistake, I corrected it promptly. I've asked the institution to both provide proof of the lateness and the attempt to contact me, and asked for leniency in the matter considering both the fact that this was at the beginning of the COVID 19 pandemic, and that they failed to alert me, however on all atempts to resolve this matter between us they have failed to provide anything other then generic and cryptic responses, with no backup, just a promise that " and investigation '' had been conducted. I ask that CFPB please ensure Barclay knows that I am both entitled to a detailed response with investigative evidentiary proof and that if they can not provide this that they must remove this blemish from my credit files.

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 2022-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau
State: IL

Complaint narrative:
XXXX XXXXXXXX and XXXX XXXX XXXX is sending me to collections for an error they made. They ( their admissions department ) and their receptionists claimed my insurance would be covering me in error and then one day when I show up for an appointment Im told they never accepted my insurance and I owe them XXXX dollars. I have no money and a XXXX wife and they constantly harass me over their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-21 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing has begun reporting under my personal credit report beginning in XX/XX/2021 a commercial loan which is owned by an LLC. This LLC is then owned by a real estate holding company which holds all my real estate holding nationwide. I have disputed this with the company and with the credit bureau twice. 
The deed and bill of sale clearly show the owner of the property which is not me personally.

Company response to consumer: Closed with explanation