vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
I have contacted these companies multiple occasions. As told by my realtor, this is making it very difficult for me to purchase a home for my children. These companies are in direct violation and I am seeking legal action. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!

Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAl Cubiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT. 

As a consumer I amdemanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX Convergent Outsourcing XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being

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 2023-06-06 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
I closed my checking account on XX/XX/XXXX and M & T bank is reporting to XXXX XXXX XXXX that my account was closed on XX/XX/XXXX My phone numbers on the report are incorrect as well. 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 2023-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Good afternoon, due to lack of work, I stopped paying for this Honda car, which I have always paid for more than 2 years a day, then I asked them to reduce my payments and they refused. Now they want me to return the car that I have not been able to do since I have been away from the state and the car is in my garage, I asked to make the payments and they informed me that the only way was to pay the full car which I can't for now, they tell me to return it but I don't owe much anymore and I'm sure they're even going to auction off the car and I will continue to return them since I do not trust their way of auctioning, XXXX HONDA XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT TYPE Lease Honda financial services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: VA

Complaint narrative:
I am writing you Informing you that transunion, XXXX and XXXX is reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy court of Virginia which is false i have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify validate any information concerning bankruptcies transunion, XXXX, XXXX is falsely stating this information on credit report. 
I also did not give them any informationin nor permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

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 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MN

Complaint narrative:
The company is still reporting that I owe Im this debt after I disputed it and won. I have proof that it would be removed from my credit but it still being actively reported and driving my credit score down. I do not own the account that is being reported on and believe someone else used my identity. I am looking to pursue a lawsuit against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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 have a fraudulent account on my report and I sent in the ID theft affidavit and the consumer reporting agency had re-inserted this account to my 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 2023-06-06 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-06-06 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: GA

Complaint narrative:
This is a formal complaint that Tansunion is reporting inaccurate, incomplete credit information and the willful noncompliance has injured me. Please verify the following accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I would like a method of verification to be provided as well. You have 30 days to comply with my request or face further administrative action.

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 2023-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I'm unable to cancel my account with this company.

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 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consolidated Recovery Group, LLC
State: PA

Complaint narrative:
XX/XX/2023 - {$350.00} they added the following to my credit report. 

Under a different name other than mine. 

Without notice and final validation notice to let me know they have a right to add this to my credit Report. 

The proper steps were not taken in order for me to dispute this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: VA

Complaint narrative:
I am writing you Informing you that XXXX, XXXX and equifax is reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy court of Virginia which is false i have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify validate any information concerning bankruptcies XXXX XXXX, equifax is falsely stating this information on credit report. 
I also did not give them any informationin nor permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: VA

Complaint narrative:
I am writing you Informing you that XXXX, experian and XXXX is reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy court of Virginia which is false i have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify validate any information concerning bankruptcies XXXX, experian, XXXX is falsely stating this information on credit report. 
I also did not give them any informationin nor permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

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 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: WI

Complaint narrative:
I was approved for a three month COVID19 Forbearance for the months of XXXX, XXXX and XXXX of XXXX. In XXXX, I was going through my mortgage online account when I noticed there was an alert for a document. I clicked on it and saw it was a letter offering me a deferral to help bring me current after my forbearance, however I never received this letter in the mail or via email. I then called approx XX/XX/XXXX to accept the deferral and to make my XXXX payment since I indicated my COVID19 hardship was over and I could resume payments. I specified to the rep, according to my approval letter my payments are now {$1800.00} so that is the amount I would like to make. He then proceeded to take a payment over the phone. On XX/XX/XXXX I called since I realized my loan was still not current. A representative indicated the rep I had originally talked too approx XX/XX/XXXX did not submit the request therefore my deferral was not completed. I was then put on hold for over 20 minutes and the rep never came back and then hung up on me. I then called back and got another rep who stated they had to start all over with my account and would send my account over for review. I indicated to her I had made my XXXX payment and was ready to make my XXXX. After I hung up with her, I went to check my mail and the XXXX payment I made on my account was sent back to me in a form of an escrow overage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I took out a reverse mortgage several years ago. I still live in my home which I purchased almost 29 years ago. Each year the mortgage company - PHH Reverse sends me a Certificate of Occupancy and I have filled out the form and returned the form to PHH in the envelope provided. I received a Notice of Default in XXXX of this year ( 2023 ) which demanded that I pay the entire outstanding balance of my mortgage ( reverse mortgage ) to cure the default. I tried calling PHH several times to see what the basis for the default was. I was unable to get any information or resolve the issue so I have had to hire an attorney. I just learned last week that the reason for the default was that the lender determined that I " was no longer an occupant '' because they had not received the certificate of occupancy form. I looked on the PHH website for the form, and the form is not available. I can not simply download the form and send it in again and cure the default. Instead of reaching out to me to verify occupancy, or notify me that they had not received the form, and provide me with another form and the opportunity to prove that I still live in the home, PHH filed a Notice of Default demanding that I pay the entire outstanding mortgage. I do not work, I can not simply go out and get another mortgage to pay off the amount ( ~ $ XXXX ) they claim is now due. I have tried calling PHH several times. I have not been able to get through to anyone that has the ability to resolve the issue or offer a viable solution to address their baseless claim that I am no longer an occupant. 

PHH has made up a reason to take my home of 29 years. The Notice of Default is not based on my default or any violation of the terms of the reverse mortgage. I continue to and have continuously lived in my home for all these years. I am over XXXX years old and if they take back my home, I will be homeless. I have limited means and this will cause me more hardship as I try to resolve this with PHH and save my home. The current foreclosure proceeding has also damaged my good credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is in regards to two hard inquiries that are currently listed on my credit report and file. The hard inquiries from XXXX XXXX on XX/XX/23 and XXXX XXXX  on XX/XX/23 are fraudulent and were not inquired by me. I demand these inquiries that were a result of identity theft to be removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.

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 2023-06-06 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instruction. 

XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
I closed my checking account on XX/XX/XXXX and M & T bank is reporting to XXXX XXXX XXXX that my account was closed on XX/XX/XXXX My phone number on the report are incorrect as well.

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 2023-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Somebody opened an Amazon Store Card in my name and has been charging it and billing it to my address. On XX/XX/XXXX I received a bill and was made aware that this was occurring.

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 2023-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
This is a repeat of complaint XXXX as my mortgage was sold back to US Bank on XX/XX/XXXX and they are now threatening default while ignoring the fraud they committed that started this whole debacle in the first place. 

I missed payments from XXXX - XXXX of XXXX. US Bank ( USB ) called and offered to put those four payments at the end of my mortgage if I made 3 payments XX/XX/XXXX - XX/XX/XXXX. They then sent me a loan modification ( not what they offered ) and sold my mortgage ( end of XXXX? ) to XXXX XXXX XXXXXXXX  ( XXXX ). I made the payments ( one to US Bank, then XXXX to XXXX ) but refused to accept the loan mod as it added 14 years to my mortgage term. While trying to figure out what went wrong, XXXX XXXX XXXX then sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX ( XX/XX/XXXX? ). I then spent many more months trying to figure out what was going wrong. XXXX then offered me a loan mod if I made 3 payment XX/XX/XXXX - XX/XX/XXXX. Fatigued from the delay I accepted and made the payments. They then rejected the loan mod in XXXX, probably because interest rates had risen and they couldn't offer a monthly payment commensurate with my existing XXXX XXXX mortgage per the rules. Frustrated with being run around I called a HUD counselor ( XX/XX/XXXX ) who explained that US Bank likely tried to illegally transition me from the " payment deferral '' they offered to a " loan modification '' because their HELOC would be moved from 2nd to 3rd position, thereby increasing their risk. Wanting to hide their mistake, they then sold my mortgage to obfuscate matters. 

My new loan information is : US Bank mortgage account number is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX Friday shortly after Bank of America opened ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) I entered and proceeded to be ushered to the teller to make it withdrawal that I make normally around Ohio with the same basic procedure. I realize the Bank of America employees dressed very well in contrast to myself that dress very modestly. I could tell this made her feel uncomfortable, And or thought that I was out of place. I confirmed my identity by providing my photo ID at that point the teller texted me a code to my phone in order to confirm who I was by signing into my online account which her computer would confirm the success a regular procedure that usually occurs. To teller also asked me my social security number in which I provided off the top of my head without going into my wallet. The teller to ask me a few more questions to confirm and then she also couldn't accept any of the information I gave her and after trying very hard I was unsuccessful in making a transaction as I walked away after explaining to the teller that I can still make transactions online pay bills move money around but I just need to get money to fix my car she laughed and her coworker the XXXX XXXX XXXX XXXX I believe said that's not funny and I didn't realize what that meant until I went to a bank which I knew was more familiar with me from pass withdrawals and this teller froze my account beyond any freezing I have ever been frozen before and after identifying myself to the extent that I did and her not accepting that this was my identity I realize that this was discrimination

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 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company response to consumer: Closed with non-monetary relief