vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: FL

Complaint narrative:
I started a loan modification back in XXXX XXXX, I passed my trial period and was accepted and granted the loan modification in XX/XX/XXXX, a new subordinate mortgage was created and an official agreement for the Loan Modification, with the new principal and interest totaling out to {$1000.00} till the maturity date of loan which is XXXX/XXXX/XXXX. I was relived when I received the official documents signed from Midland Mortgage for the approved Loan Modification. Every month since then I have made every monthly payment on time as per the agreement. 
On XX/XX/XXXX I started receiving robot calls from Midland in regards to saving my home from foreclosure, I disregarded it at first but after 2 days of nonstop robot calls I logged into my account just to view it, it showed I owed {$100000.00} due immediately for failure of 33 payments. I immediately called customer service, I was advised not to be alarmed that my Loan Modification was under review and my account would be righted within a couple of days. After a week I received over 20 notices in the mail that I was passed due on my mortgage and need to remedy it via a Loan Modification, Program, or Short sale. I called again, now with my account showing 11 payments behind on top of fees totaling out to {$33000.00}, I was told by Supervisor XXXX XXXX that there was an error made on behalf of Midland Mortgage  and they are reversing the loan modification and I will need to pay that dollar amount to bring my account to current to avoid foreclosure, that I could apply for another Loan Modification, and an assistance program to divide the XXXX XXXX into several payments, this amount is also including late fees, even though I have never been late on a monthly payment. They arent complying to our contract, they are breaching it, without explanation other than an error, with letters being sent out, with threats on losing my home. 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 and the best answer I can receive from Midland Mortgage is they are working on putting an explanation in writing and they understand my struggles. Now I have to hire a lawyer with funds I do not have to force Midland Mortgage to honor and comply with a Loan Modification that they approved.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
I received a credit card statement from SCHEELS visa on XX/XX/XXXX. It has a balance for {$8000.00}. There was a charge on XX/XX/XXXX for {$7700.00} made at Scheels XXXX XXXX. There was a purchase on XX/XX/XXXX for {$200.00} at XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX and there was a purchase on XX/XX/XXXX for XXXX XXXX  in XXXX XXXX for {$77.00} I have never been to, nor heard of a Scheels before this statement was received. I have never been to XXXX and I did not open this credit card or make these charges. I contacted the credit card company and opened an investigation into the fraud on 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 2023-01-10 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.SC. 1681 section 602 A, States : I have the right to privacy. 15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions. I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked XXXX how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like XXXX XXXX. I will not accept another reinvestigation of the information Only deletion of the information. Also they are reporting incorrect addresses as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my address

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 2023-01-10 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: IL

Complaint narrative:
I sent in a letter explain errors on my credit report over 30 days ago. I seen a whole bunch of errors and marks on my report that I was un aware of. Especially marks on my report when i was incarcerated. I need to this incorrect infor off my report this is affecting my ability to grow since i have been home

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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent in a letter explain errors on my credit report over 30 days ago. I seen a whole bunch of errors and marks on my report that I was un aware of. Especially marks on my report when i was XXXX. I need to this incorrect infor off my report this is affecting my ability to grow since i have been home

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 2023-01-10 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act, Discover Bank # 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 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. 

XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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:
In accordance with the Fair Credit Reporting act 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 2023-01-10 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: CA

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2023-01-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: LA

Complaint narrative:
On XX/XX/22 I sent a letter regarding inaccurate things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase stole my security/bond that I mailed in registered mail and did not credit my account. I have attached the USPS return receipt that shows the representative that signed for the security as well. Chase lists in their disclosure, payment instructions for " conditional payments '', other forms of payments or special endorsements. I followed the instructions as instructed and my account was still not credited. After calling in on XX/XX/XXXX at XXXX EST, I was informed by two very abrasive representatives that my security was accepted, kept, scanned into the system and noted for banking but they will not credit my account. The supervisor even threatened me that they will report my account late. I have attached a more Indepth summary of the issues. I understand that the STATEMENT that is mailed to me every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the coupon ( book-entry note ), is actually a dividend payment from securitizing my account and the transferring/trading of my securities in public markets and private transactions through CHASE XXXX XXXX, CHASE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, owner trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX trustee and JP MORGAN SECURITIES XXXX , just one of the underwriters. It is not a BILL for me. The obligation is the issuers, CHASE XXXX XXXX per their indenture agreement, Securities Exchange act of 1934, the Trust Indenture Act of 1939. On the call, which was automatically recorded, I requested a supervisor above XXXX. However, she refused and told me that there is no one above her. If I want a resolution, the only way would be for me to send in a written request to the correspondence department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: KEYCORP
State: MN

Complaint narrative:
Picked my bank card chip key bank XXXX XXXX XXXX XXXX XXXX witnessed XXXX at XXXX yesterday old XXXX XXXX threw XXXX XXXX XXXX thru my hse wall XXXX  XXXX at XXXX on the floor XXXX XXXX hse XXXX  XXXX XXXX XXXX wa XXXX XXXX XXXX divorce XXXX irrevocable broken marriage vow

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I tried to deposit several checks via a mobile app. XXXX XX/XX/2022. I fat fingered some of the $ amounts. My account got locked. I called the next day and their techie dept got it reopened. I then received an intent to close my account on XX/XX/XXXX. I called and spoke to a supervisor ( XXXX ) on XX/XX/XXXX and told her to just close the account and mail me a check. She said she'd make the request and it would take 3 days to process. I never got the check and called again today. ( XX/XX/XXXX ) I was told they have not yet formally closed my account and could not release my money. ( spoke to XXXX and was tranfered to XXXX in member resolution ). XXXX states they can lock up and hold my monies XXXX for 60 days while they decide what they're doing, even though XXXX confirmed USAA has already determined to close it in the coming days, they still wont release my monies until they officially close the account in the coming days. 

Checking Account XXXX : XXXX USAA out of XXXX XXXX, TX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
XXXX XXXXXX/XX/XXXX flagged my account past due on XX/XX/2023 as 30 days late violation of 15 USCode section 602 15 US 1681 b furnishing a consumer report without the consent of the consumer section 604 I am demanding a deletion of this late payment from my credit report 15 USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something it is known as investigative consumber report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: MI

Complaint narrative:
I have no Knowledge of the loan account reported by 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 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
XXXX Bank was sold to XXXX. I own a small business, and had a business account I kept a small amount in for emergencies - never more than XXXX When they switched over they " automatically switched my account to something comparable. '' This new account had a minimum of $ 10K or you were charged a service fee. I was charged XXXX  dollars which was automatically deducted from my account. I do not recall any correspondence regarding this switch or it's consequences. It took me a while to notice the deductions- so I began to try to see a banker to find out why this was happening, and that was very, very difficult. I called, stopped by, left messages, and made at least 5 attempts to get help in person, but some branches did not have bankers, others had no one available, sometimes it was a 45 minute wait which I was unable to do. I finally called their 800 number and someone changed over my account and refunded XXXX, but refused to refund the entire amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX has violated my rights. 
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 states a consumer reporting agency can not furnish an account without my written instructions.

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 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 2023-01-11 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: FL

Complaint narrative:
I accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX XXXXt : # XXXX, XXXX XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Lvnv finding has a collection account on my credit report that is definitely not mine and.ive disputed this account several times with my credit bureau and they e told me to file this report if the results of the credit account are the same after being disputed. Also I have no proof that this account isn't mine because I can not have proof of it not being mine if I never opened the account to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: FL

Complaint narrative:
XXXX XXXX  snd Experian are NOT XXXX  XXXX Compliant as numerous required fields are NoT filled in completely, accurately, mandatorily and logically 200 % perfect to meet FCRA and other Compliance standards. I have attached the XX/XX/XXXX letter of XXXX XXXXXXXX Senior Vice President, XXXX XXXX who stated your credit card account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. On XX/XX/XXXX, I received my attached Experian credit report dated XX/XX/XXXX which clearly documents that my XXXX account still remains IpEN despite XXXX plus demands to correct the willful FCRA violations. The XXXX  Senior Vice President obviously falsely certified that my account has not been reported as open since it was voluntarily closed on XX/XX/XXXX. Obviously, XXXX snd Experian have failed to investigate and have willfully violated the FCRA and XXXX XXXX standards by reporting my closed account as open. Stop embarrassing yourselves as once an account is marked closed with the required date if closure on XX/XX/XXXX, internal controls were required to prevent the closed account to be changed to open. There is obvious a sinister reason why my account was maliciously changed from closed to open. Thus will Cust you another {$2000.00} statutory damage claim for willful FCRA repeated unconscionable violations. If a Senior VP cant fix this, maybe the XXXX CEO can!

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