vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
hi I had a lease with the landlord for the year of XXXX, not XXXX and attempted many times to get one they refused to render me a lease for XXXX so i was paying month to month... tell them to render a XXXX contract also i had XXXX XXXX im the primary breadwinner i stay with XXXX XXXX so I could not work and fell behind and called and spoke in person notified the landlord i will pay in full also i found out they sold the property, but they agreed because the renters protection was in effect, but in good faith i will payed and got evicted they are snakes, also i spoke with their lawyer confirming that i will get evicted even i payed in full and paid a month in advance. then they gone ghost and gave me the cold shoulder so i called the bank, bank of america because they say call when theirs fraud... so i did .BOA.have my records. when i called about the situation and everything. and they denied my claim and im negative 12,000 i cant pay nothing and both are silent ask the bank to render that XXXX lease contract i will upload the documents please help i don't know how to move forward i'm in the streets with XXXX XXXX use the claim numbers each one is 3000 and one 600 to equal 12,000 the land lord name is 491 units XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have tried to dispute information directly with XXXX XXXX XXXX Mortgage, Trans Union, XXXX, and XXXX. Each time the information is updated as correct even though information / documentation supports my request and dispute. 

In XX/XX/2020 I was nervous with onset of Pandemic, my company was reducing pay, auto allowances, etc. The Cares Act was put into place to over COVID Forbearance. I was advised this would not have a negative reporting aspect on personal credit reports. This is incorrect. 

I paid my XX/XX/2020 pmt. and requested COVID forbearance out of fear of pandemic, not inability to pay. Immediately my credit score dropped nearly XXXX points. Once I noticed this in XXXX, I called XXXX XXXX and requested to be removed from Forbearance. I was advised that since I had a VA loan, I had to make XXXX on time payments before my loan could be reinstated. Aug 2020-Dec 2020 I made payments on my mortgage that are not being reflected on my personal credit report. My report stated not reporting ; furthermore, my balances are not reflected correctly. All bureaus are reporting a different balance than the actual balance depicted on my report. 

I reached out to XXXX XXXX requested a payoff, that balance is not the balance reported. There was a discrepancy with my Escrow account, I requested an update, that balance is not what is reflected. My credit report states natural disaster / earthquake. As I stated there was not supposed to be negative information depicted on these reports. Not reporting accurate balances, payments, stipulating natural disaster, etc., are all items an underwriter will assess as negative. 

Companies need to remove and accurately report. I was not advised correctly and that was not anyones fault, we were in uncharted waters. My complaint is once I noticed I reinstated my payments, and they are not reflecting on my credit reports. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have tried to dispute information directly with XXXX XXXX XXXX Mortgage, XXXX XXXX, Experian, and XXXX. Each time the information is updated as correct even though information / documentation supports my request and dispute. 

In XX/XX/2020 I was nervous with onset of Pandemic, my company was reducing pay, auto allowances, etc. The Cares Act was put into place to over COVID Forbearance. I was advised this would not have a negative reporting aspect on personal credit reports. This is incorrect. 

I paid my XX/XX/2020 pmt. and requested COVID forbearance out of fear of pandemic, not inability to pay. Immediately my credit score dropped nearly XXXX points. Once I noticed this in XXXX, I called XXXX XXXX and requested to be removed from Forbearance. I was advised that since I had a VA loan, I had to make 3 on time payments before my loan could be reinstated. XXXX XXXX XXXX0 I made payments on my mortgage that are not being reflected on my personal credit report. My report stated not reporting ; furthermore, my balances are not reflected correctly. All bureaus are reporting a different balance than the actual balance depicted on my report. 

I reached out to XXXX XXXX requested a payoff, that balance is not the balance reported. There was a discrepancy with my XXXX account, I requested an update, that balance is not what is reflected. My credit report states natural disaster / earthquake. As I stated there was not supposed to be negative information depicted on these reports. Not reporting accurate balances, payments, stipulating natural disaster, etc., are all items an underwriter will assess as negative. 

Companies need to remove and accurately report. I was not advised correctly and that was not anyones fault, we were in uncharted waters. My complaint is once I noticed I reinstated my payments, and they are not reflecting on my credit reports. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-01-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes.I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX I made inquiries on the exchange rate offered at XXXX ATMS and withdrew funds [ only ] from a third ATM while on travel in the country XXXX. On my checking account electronic record, I see instead that all XXXX ATMS recorded the withdrawl of funds. It is clear that only XXXX of these was a legitimate charge as international ATM withdrawls always show the exchange rate used and have a foreign exchange rate adjustment fee associated. The legitimate charge had these ; the XXXX inquiries show a withdrawl of funds but had neither echange rate information nor an exchange rate adjustment fee. I complained to my bank ( Chase ) and they provisionally withdrew those XXXX fraudulent changes, only to reinstitute them weeks later. I spoke to Chase bank and my local Chase bank representative spoke repeatedly to supervisors requesting the withdrawl of those charges, without success. Chase said they look like legitimate charges, and had the audacity to suggest that perhaps all XXXX banks pooled their fees to create the single Foreign Transation Fee recorded - something they are capable of knowing is not the case. It is clear that Chase made a mistake, I have lost funds to fraud, and Chase is unwilling to examine their erroneous judgement. My CHase branch officers are as surpised as I at the attitude of central officers in this case. THe case would be reopened, they said, if I offered more proof but there is no other, and no better, proof than my checking account statement, which they have in hand. Account number XXXX ; Routing number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: IN

Complaint narrative:
Since XX/XX/2019, I've been trying to get a few debts removed from my credit report. I've been disputing debts from XXXX, XXXX on my Experian credit report. I've been blocked by Experian to where I can't file another dispute with them and I've stated in each dispute and in a direct email that I never received a bill for these debts and that keeping fraudulent debts on my credit report is illegal and would be reported. To date, they still choose not to reply and not to remove them. I've contacted both Experian and XXXX and asked for information about these debts and I've received nothing from either one.. I want Experian ordered to remove these fraudulent debts from my credit report or to be held liable along with XXXX, XXXX if they do not comply. It's really quite difficult for a debt to be considered valid or verified if the consumer never received a bill or any information about the alleged debt.

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 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has decimated against me and accused me of authorizing transactions i have not made. I had three charges posted on my account by XXXX XXXX from XXXX totaling {$1500.00}. 

I disputed the transactions on XX/XX/XXXX and was told on XX/XX/XXXX, the claim was declined because I utilized mobile banking during that time and it is my responsibility to review each transaction each time I login. 

I stated I have never reviewed each transaction in the past and due to my work schedule I hadnt had time to review in detail. The associate opened the claim and said with the additional provided information it should be resolved soon but they did have up to 45 days. I provided the police report number from a burglary that occurred in XXXX. This gave insight to my laptop and XXXX  being stolen. I was not able am to file an additional police report as I have had XXXX 

I have called several times inquiring on my claim and was told there was an investigation being conducted, I would receive additional documents to support their decision. 

My claim was declined again on Monday, XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and was told the investigator closed the claim because he felt I made the transactions. I asked for additional time information and documentation to support this decision to proceed with the steps to seek assistance with identity theft. The supervisor stated there was no documentation as the investigator made this decision on his gut feeling and noting more.

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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Today XX/XX/2022 I contacted Midland Funding about a collection account on my credit reports. I do not believe this is my account. I asked to speak with a supervisor and was told there was not one available. All of sudden there was one available and he briefly spoke with me saying to the likes are you going to pay it or not and the best deal possible. He refused to answers my questions and frankly sent me back the consumer rep. They again attempted to get me to pay the debt. They did agree to open a dispute. This company is very rude, doesnt seem to fully understand the FDCA or the FCRA and frankly wont even obey by there own website promises. The CFBA has reached a massive legal agreement with them but that doesnt seem to change there behavior. They continue to carry on the same old ways and a complete disregard for the FDCA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent my regular mortgage payment thru my credit union by bill pay to Citizens One Bank. My credit union has verified that the money was sent, the bill pay company verified the money was sent, and Citizens One bank has verified the money was received. The problem lies in that Citizens One received the payment with additional principal of {$1400.00} was received but it was applied to the principal only. I pay {$650.00} for my mortgage payment and send in an additional amount of {$800.00} to be applied to the principal for a total of {$1400.00} every month. I make all my payments on or about the first of every month. I have called numerous times with a total on hold wait time, to speak to someone in customer service, of 11 ( eleven ) hours. Every time I call, I am automatically routed to collections and have to go through a lengthy verification process, just to be able to say " I want to speak to customer service ''. My good name, my credit score/history, and my good standing in the financial community are in jeopardy due to this situation. I am at my wits end, I simply want this rectified! I will provide any documentation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
This company is a scam. They have tried to add fees cost and other charges to the monthly billed. I have been paying by cashier check and having the post office send certified so the I have time and date. Your offices have not helped me in the past and I will start sending this daily if that will help keep someone look at this. Enclosed is the last payment and it was not late or not on time. This company then trys to report late to the credit bureaus. This information is wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes.I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-25 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes.I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: IL

Complaint narrative:
I kept trying to dispute with XXXX, XXXX, XXXX first. I kept receiving debt verified. So I wrote a letter to Persolve Lega group l { account XXXX } and sent it certified mail. Persolve never responded its been 30 days. I did notice it was removed from XXXX within this last week or so. I have the letter I sent them plus a copy of the certified mail receipt. When I look at my XXXX and XXXX I notice different balance amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo Mortgage department pulled my husband 's credit score on XX/XX/XXXX and pre-approved us for a home loan of XXXX XXXX. We put an offer on a home XX/XX/XXXX and our offer was accepted. We started the underwriting process and I have previously made the home mortgage department aware that I was seeking a grant through Nevada 's Home is Possible program to assist in buying the home. Wells Fargo told me that we would be closing too soon and HIP takes 45 days to process. We proceeded anyway. We put in our 30 day notice to leave our apartment on XX/XX/XXXX to move out by XX/XX/XXXX. We were scheduled to close XX/XX/XXXX, but the bank extended us, citing the underwriters needed more time. We extended with the seller to the XXXX. On the XXXX we were told the bank STILL needed more time. During this whole time they had requested some of our documents be resubmitted 5 times. We made sure they had them all as quickly as they asked for them. On the XXXX we were asked by the seller who was growing nervous of the sale to release our earnest money in good faith. I asked the bank if we were still good as I did not want to release money only for the bank to say no. The bank assured me that we would be closing and not to worry, to go ahead and release the money to not lose the home. I released it with their advice on the XXXX. On the XXXX, the bank called me as we were moving out of our apartment into storage units that our loan could not be processed as the credit score, pulled on XXXX XXXX was 3 points off. They had the score for nearly two months. We are now XXXX, out of our earnest deposit, appraisal and inspection fees, and forced to pay boarding for our pets and storage fees of {$400.00} a month til we find a home. Wells Fargo has offered no relief in 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 2022-01-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-01-25 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: IL

Complaint narrative:
account name ; XXXX account number ; XXXX date opened ; XX/XX/2021 amount owed {$2800.00} inquiries that need to be removed XXXX. ) XXXX XXXX XXXX. ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief