vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I. After my Forbearance Plan ended XX/XX/ 2022, LoanCare sent a letter dated : XX/XX/2022 denies all other mitigation assistance options ( with appealable reasons ) except for XXXX XXXX Flex Modification, offer to be received in 15 days. I have never received this Flex Modification offer as of XX/XX/ 2022 ( see attached ) II. Never granted communication access to XXXX ( aka XXXX XXXX XXXX ) on multiple attempts for multiple XXXX  As per my Homeowners Bill of Rights a XXXX is a single point of contact which will explain resolution options, report consistent loan status and notify consumer of any required action for completion of modification assistance application and deadlines regarding that action. 

III. Never received a Notice of Default or Foreclosure but received letter Dated XX/XX/2022 ( received XXXX XXXX, 2022 ) stating that there 37 calendar days or or less before a scheduled foreclosure sale. In addition this letter states that an application for Loss Mitigation Assistance is incomplete, after I have already been evaluated for options and qualified for a XXXX XXXX Flex Modification Dated XX/XX/2022 ( item # I ). ( XXXX XXXX, 2022 see attached ). 

IV. Since entering Forbearance I have been discriminated against by not being provided access to entitled services e.g. Online/Web tools to be able to manage my loan. The restricted services included payment, accessing payment history, exchanging documentation, etc. I became a Foreclosure target as soon as I entered Forbearance.

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 2022-08-26 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: TX

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT XXXX has violatedmy rights. 

15 USC 1681 section 604 states i have the right to privacy 15 USC section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 16668 : 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 non-monetary relief
Consumer complaint received 2022-08-26 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: VT

Complaint narrative:
On XX/XX/2022 I submitted a dispute with experian, because they were reporting incorrect information on my credit report. 

One item was not cleared in this dispute from XXXX XXXX XXXX XXXX, however, XXXX confirmed that they reported the loan was discharged with my XXXX XXXX  bankrupcty, but that experian reported their response to the dispute incorrectly. 

I called the bank to ask them if there was anything they could do. They submitted a manual change in the e oscar system, so I called experian to ensure this was received. When I called, the representative said they had never heard of the e oscar system. 

I filed another dispute with the representative on the phone at experian so XXXX could reply again. 

Today, XX/XX//XXXX  the second dispute was responded to, but is still not reporting accurate information. The updated report shows that my XXXX loan was still charged off, which is not accurate.

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 2022-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Im questioning the accuracy and fairness of credit reporting for this Capital One account. I received an email to log in to the account but theres no transaction history available. Capital One has furnished late payments to the consumer reporting agencies but there is no proof of any late payments. 

According to 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The current unpaid balance is an overpaid credit due to the consumer as specified in XXXX5 U.S. Code 1666d.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I apply to be in XXXX class at XXXX XXXX XXXX  and XXXX suggtion because of my education was from out of USA and have to Foreigh educatioal credential evaluation trsalation service at XXXX XXXX XXXX. I did pay {$440.00}XXXX XXXX for Foreigh Educatioal credential evaluated complited, But XXXX XXXX XXXX did not keep thire promise and did NOT do the job that what I request list for XXXX XXXX XXXX. I asking to refund and dispute payment from Capital one, the crecit card card did not solve the problem. 

Please help me out with paying {$440.00}., From Cpital one Account # XXXX.plese let me know if you have any question, Thank you in advense for your help and assistancce, Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # has violated my right. 
15 USC 1681 Section 602 states I have rights to privacy.

15 USA 1681section 604 A Section 2 : also states a consumer reporting Angency Can not furnish a account without my written consent. 
15 USA 16668 : A states a creditor may not treat a payment on a credit card account under an open end consumer credit Plans as late for any purpose. 
There are improper use of my credit report.

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 2022-08-26 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: GA

Complaint narrative:
The listed account is fraudulent as was opened and charges were made without my consent and the the account balance is incorrect. 

XXXX XXXX XXXX {$1200.00} Acct # 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 2022-08-26 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: WI

Complaint narrative:
Dear Sir/Madam I was shopping for a mortgage ( first-time home buyer ) and asked two lenders for preapproval and the interest rate. one inquiry was made on XX/XX/2022 and the second on XX/XX/2022. However, these two inquiries did not count as one. I would like this to be resolved. 

Thanks 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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I rented from XXXX, using Chase XXXX XXXX card ending in XXXX. The rental reservation XXXX from XXXX, shows the mileage in and out as conflicting with the actual usages. The information as stated on the final rental receipt is an usage of XXXX miles during this rental period. The actual usage is as below : 1. Origin : XXXX  XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX MI XXXX ( and back ) every alternate day during this period. 
2. Number of commute days : 3 days / week for 5 weeks and 2 days in the prorated week thereafter, = XXXX + XXXX = 17 days 3. Distance driven each day : XXXX miles 4. Total : XXXX miles, which, even at an approximation of XXXX miles does not correspond to the stated mileage of XXXX miles I was given only one key to the vehicle as against the standard practice of 2 keys indicating potential misuse of vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
See attached. 
National Credit Systems Inc provided me with an alleged agreement that was used to " validate '' this debt. This agreement is in clear violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
This agreement does not have the Required disclosures to OPT out of having my information reported. 
Furthermore, I have not been provided with a copy a dunning letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I do my everyday banking with Bank of America. Back in XXXX, I set up an automatic monthly wire transfer to pay my rent of USD XXXX to my landlord. When I moved out in XX/XX/XXXX, I cancelled this automatic monthly wire transfer. On XX/XX/XXXX, I received a text message from this landlord informing me that they unexpectedly received USD XXXX from me. When I logged onto my Bank of America account, I confirmed the money was indeed withdrawn from my account. When I went to the page where one can set up automatic wire transfers, I found to my surprise that the monthly wire transfer I had cancelled was back ... as if I hadn't cancelled it. I know for a fact that I'd succeeded in cancelling it, because no money was was withdrawn in XXXX or XXXX. 

When I contacted Bank of America, they didn't help retrieve the money and they didn't even acknowledge their systems had malfunctioned. They simply instructed me cancel the automatic wire transfer again and to coordinate with the recipient to recover the money. I'm now paranoid that this will happen again. 

My hunch is that they reverted their systems to a back up they had, and in that back up, my wire transfer had not been cancelled yet...

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 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
I sent a debt validation to the company and they never sent proof of account its been well over 30 days.

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 2022-08-26 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I have paid off my car loan with Nissan Motor XXXX. For a 2017 XXXX XXXX. I have the title in hand and they are still reporting the loan. 

Additionally, they are reporting the loan is 90 days past due. Aside from the prior derogatory reports they have failed to apply the military SCRA limits on the percentage of interest on the loan that I have paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CA

Complaint narrative:
I have paid off my car loan with XXXX XXXX XXXX. For a XXXX XXXXXXXX XXXX. I have the title in hand and they are still reporting the loan. 

Additionally, they are reporting the loan is 90 days past due. Aside from the prior derogatory reports they have failed to apply the military SCRA limits on the percentage of interest on the loan that I have paid off.

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 2022-08-26 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: NY

Complaint narrative:
15 U.S.C 1681 5A everything has to be corrected 100 % accurate on the account as shown below in the attached files you can see that there numerous errors on these accounts that things on the credit report are not 100 % correct these creditors have violated this law for a long period of time and they need to be removed off my credit report Account number XXXX Account number XXXX Account number 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 2022-08-26 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: NY

Complaint narrative:
15 U.S.C 1681 5A everything has to be corrected 100 % accurate on the account as shown below in the attached files you can see that there numerous errors on these accounts that things on the credit report are not 100 % correct these creditors have violated this law for a long period of time and they need to be removed off my credit report Account number XXXX Account number XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
-I saw an investment AD online that guaranteed triple your investment within 24 hours. I invested {$3500.00} through XXXX and then realized it was a scam when I tried calling about my money and they just kept asking for more. Months later I did not get anything. I tried reporting it to my bank and they rejected my refund of getting my money back.

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 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I noticed my credit score suddenly dropped about XXXX points. I immediately called XXXX to understand what happened as I always pay credit cards on time and have no debts. I was informed that a company called Credence Resource Management was trying to collect a debt regarding internet services from XXXX XXXX XXXX for {$180.00}. 
On XX/XX/XXXX, I immediately disputed the charges and provided proof that XXXX confirmed the cancellation of my services on XX/XX/XXXX. However, XXXX continued to charge me through XX/XX/XXXX, despite confirming my services ending in XX/XX/XXXX. 
- XXXX removed my account from being visible so i never even knew that there was a charge on my account to begin with. 
- I was NEVER notified or contacted by Credence Resource Management about their attempt to even collect any debt. I have no mail or email or phone calls from them.

After I disputed with Credence Resource Management and provided proof of service cancellation, they replied on XX/XX/XXXX, claiming the charges are valid. I called them to understand how that is possible and they said they no longer handle XXXX & XXXX as an account, so they wouldn't even be able to collect the debt, let alone investigate it. 
I called XXXX on to find out who they have hired to collect the debt and NO ONE was able to help me, none of the representatives were able to find out that information. I have call logs for 2 hour and 10 minutes until i reached someone who was able to take the payment. I proceeded to pay the {$180.00} in hopes that my credit score can go back to normal - at this point my main concern was my credit, not the charges even though they are invalid. I still do not know who XXXX has hired to collect a debt that i never owed in the first place, nor do i know how to bring my credit back to its original score. 
I am asking for justice and help here, I am a model citizen, i pay my taxes and have no debts, with a perfect credit score. This situation has completely stopped my ability to buy a home, or even move to an apartment because my credit got hurt by something i did not even know about. This probably has gone on my record as well without my knowledge, hurting my chances to ever buy a home or getting clear background checks. Please help me resolve this matter to bring my credit score back to normal. 
I appreciate all your help and have attached the documents that provide proof of cancelling internet service along with my email with Credence Resource Management, who investigate a charge for an account they do not even work with. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Wrong person this bankruptcy doesnt belong to me and I would like it 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 explanation
Consumer complaint received 2022-08-26 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: Colony Brands, Inc.
State: MO

Complaint narrative:
I have been the victim of identity theft. Seventh Avenue has been sending invoices for months on an account that I never created. Now they have reported my account as delinquent to the credit reporting agencies. This company Seventh Avenue is running a phishing scam. Now my credit is severely compromised. Ive had a score of well above 800 for more than a decade. Now its dropped by XXXX XXXX due to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: SC

Complaint narrative:
XXXX, EXPERIAN. Attached is a screenshot of the unauthorized inquiry from XXXXXXXX XXXX XXXX This company pulled my credit without my written consent! I disputed this inquiry and Experian did not remove it from my credit report. XXXXXXXX XXXX XXXX can not provide Experian a certificate stating that I gave them permission to pull my credit. I have contacted XXXXXXXX XXXX XXXX by phone and they said they did not pull my credit. 

I also have a sercurity alert on my Experian credit report. I did not receive a call notifing me that XXXXXXXX XXXX XXXX was pulling my credit report. 

Experian is violating consumer law 15 US code 1681b.

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 2022-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Wrong person the account Account info Account name XXXX XXXX XXXXXXXX XXXX not mine doesnt belong to me

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