vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Spoke to XXXX XXXX XXXX, Senior Vice President XXXX XXXX, RoundPoint Mortgage Servicing Corporation nmls : # XXXX XXXX XXXX # XXXX on XX/XX/XXXX and he told me he can move forward with the loan. On XX/XX/XXXX, XXXX referred me to XXXX XXXX, Branch Manager License, NMLS # XXXX at RoundPoint Mortgage Servicing Corporation, NMLS # XXXX, c : XXXX. She pulled my credit and obtained copies of my bank statements, tax returns and other sensitive documents for the VA loan. XXXX told me that I was approved for {$320000.00} and instructed me to start shopping for a home with my Realtor. My Realtor and I couldn't find a home I liked in XXXX XXXX ; so we started looking in XXXX. We found a home and told XXXX that we would be moving forward with XXXX. XXXX was unable to be reached. I then reached out ot XXXX and he was unresponsive as well. I then reached out to XXXX XXXX XXXX  at Roundpoint  to ask what was going on and was told XXXX was no longer with the company. I asked him who I needed to contact to move forward with my loan as I only have a month to secure housing - no response.

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 2022-08-02 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX Have 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 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 explanation
Consumer complaint received 2022-08-02 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, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX Have 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 States A Consumer Reporting Agency Can Not Furnish A Account Without My Written Instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX 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 15 U.S.C 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. 
I request for an investigation to be made to remove the following late payments from my credit report : XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
First off on the IKEA site if you wish to make application for an IKEA credit card ( which is a commenity bank credit card ) the message is the site is under construction and application needs to be made at an IKEA location. I drove to IKEA and customer service was not able to take an application. I took care of it via a phone call to commenity while I was at the IKEA store. I told them I had a freeze on my credit reports and they needed to contact me on the phone number to confirm my identity. I was told they did not do this and I needed to remove the freeze. I made application on XX/XX/XXXX. I removed the freeze with an end date of XX/XX/XXXX. ( FYI the freeze is still removed as of XXXX XXXX 2022 ) On XX/XX/XXXX I called Commenity bank to hear if the application had been approved and to let them know the freeze was going to be reinsatlled the following day. They were unable to give me a status on the application. My scores were well over 800 at the time. 100 percent of full payments made on time for all of my accounts over the past 25 plus years. I received a letter stating they did not approve the application due to inabiility to verify previous credit report. letter was dated XX/XX/XXXX. 
They NEVER ran a credit report with XXXX so how can they deny the application? 
I made 9 calls to commenity XXXX XXXX XXXX and was on hold for over half an hour each time trying to get this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
Told me I had a simple loan qnd it was charging me 7.47 percent a day on this loan but when I got the loan it was 20 percent.every month they take XXXX dollars out of the XXXX I pay on the loan .so the loan isn't going down it goes right pack up every month.i paid over XXXX dollars on this loan .they have only taken XXXX dollars of the balance. This company is GENERAL MOTORS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: TX

Complaint narrative:
I have tried to get validation of a debt that appears on my consumer report. I have sent request on XXXX, XX/XX/22 and XX/XX/22 with no response from the consumer reporting agency ( Experian ). I requested that the account be validated or deleted and to date, no response has be forthcoming.

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 2022-08-02 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:
In accordance with the Fair Credit Reporting Act, XXXX  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. Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts. 

FURTHERMORE, UPON A FULL INVESTIGATION XXXX AGREED WITH MY COMPLAINT ON XX/XX/XXXX AND PROVIDED THE FOLLOWING RESPONSE ( SEE ATTACHMENT ) AND REMOVED XXXX XXXX FROM MY CREDIT REPORT. 
" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. 
XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX  XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. ''

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 2022-08-02 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: CO

Complaint narrative:
From : XXXX XXXX To : CFPB Date : XX/XX/2022 Issue of My Compliant- I went ot Bank of America branch on XXXX XXXXXXXX XXXX XXXX from XXXX  store to make a deposit of several checks and withdraw {$200.00} on XX/XX/XXXX. 
Shortly afterwards, I noticed that the Bank made an additional debt or withdraw of {$200.00} in my account on the same date. I have not made such additional withdraw. 
I have brought this matter to the attention fo XXXX XXXX XXXX, Relationship Banker at the Branch on XX/XX/2022. At first, the bank thought it might be a scanner error and told me it could be fixed by XX/XX/XXXX, the next Tuesday. What might have complicated the issue is that somehow the bank could not find the {$990.00} check I deposited initially, hence deducted that amount from the transcation. Thus I went to the other bank where this check was issued and stopped the check. The Bank subsequently found the check and returned it as I already stopped it. 
But the net result is I lost {$200.00} as a result. It seems to me that I should not suffer a loss of {$200.00} by simply deposit a few checks and withdraw {$200.00}, a very simple and routine bank operation. Since it's almost two months now and the issue has still not yet been resolved, so I decide to file a complaint with Federal Reserve, XXXX XXXX, which supervises Bank Operation for consumers. Thank you for your help on this matter. 

1. From my deposit statement on XX/XX/2022, with net deposit of {$860.00} plus a cash withdrawal of {$200.00} already included. ( A copy of a letter from Bank of America is attached with a photo copy of the deposit slip. ) 2. From attached file of my bank of america checking account ( ending XXXX ) XX/XX/2022 statement, page 2, there is an entry of {$860.00} deposit and also another {$200.00} debit, both on XX/XX/XXXX, which is incorrect, as the {$200.00} withdrawl is already included in the transcation involved in the {$860.00} deposit. ( My XXXX bank statement is attached. ) 3. I have brought this error to the attention of XXXX XXXX XXXX of the local branch ( XXXX XXXX XXXX across from XXXX  store ). In spite great effort by XXXX XXXX to resolve this issue, so far it is still not resolved. 

4. I also tried to see if I can reach online to file a compliant with Bank of America, but only get the following as response. " We did not find any transcation eligible to disputes. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
My wife and I have a VA mortgage through Crosscountry Mortgage. 

We missed two mortgage payments -- one in XXXX XXXX, the second in XXXX XXXXXXXX

Crosscountry Mortgage correctly reported a rolling " 30-days late '' to the credit reporting bureaus after the XXXX XXXX payment was missed. Crosscountry Mortgage incorrectly reported a rolling " 60-days late '' status after the XXXX payment was missed.

My wife and I contacted the mortgage company in an effort to remedy the situation.

We were approved for a COVID forbearance, which was later extended.

The entire duration of the COVID forbearance ( to include the extension ) was from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX we made a mortgage payment -- during the forbearance period. 
On XX/XX/XXXX we made a second mortgage payment -- during the forbearance period. 
On XX/XX/XXXX, we made a third mortgage payment -- during the forbearance period. 

We made these payments during forbearance to bring the account current. 

Crosscountry Mortgage accepted these payments, and applied them to our loan. 
However, the mortgage lender did not ( and still hasn't ) annotated our loan as " current ''. They continued to report " 60-days late '' on our credit reports.

The incorrect information Crosscountry Mortgage reported on my credit reports has harmed ( and continues to harm ) my wife and me in the form of emotional stress, higher interest rates, closed lines of credit from other lenders, and an inability to conduct financial activity with other lending institutions.

Our credit reports should reflect a 30-day late as of XXXX XXXX, and " pays as agreed '' as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Payed off mortgage XXXX. Bank still have lien on property yet making it impossible to release lien. Every time I call to check status I have new hoops to jump thru a new wall to climb. Their lack of cooperation almost seem nefarious.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
Dear CFPB, After numerous attempts to contact AMEX about a fraudulent credit card taken out in my name in early XXXX XXXX, I have had no success at all even after the police report was finished in receiving any help in disputing the charges. Furthermore, the company sent me to debt collections even after the detective on my case provided AMEX with undeniable proof the credit card was taken out fraudulently contained within the completed police report. I have been lied to on the phone about being sent contact information of someone I can send a police report to myself and I keep receiving notices that I took out the card and therefore I am liable. I had no idea a credit card was taken out in my name, I was not even living in the state the card was taken out in. I am really disappointed with AMEX for providing ZERO security in regards to who can take out a credit card. The card was maxed out by the person who did take it out within a matter of weeks at almost {$12000.00}. I have never even been approved for this high of a credit limit before and it shocked me that someone could do this without my knowledge, and AMEX has not only been unhelpful, they have been rude and even mocking. 

The perpetrator also opened a second credit card in my name, an XXXX XXXX through XXXX XXXX, for {$8000.00}, also maxed out within a few weeks, and though I haven't heard anything further from XXXX, they have not let me know they have dropped the charges either after I reported the fraud. All employees at XXXX were professional and kind though, even though I haven't heard back about a resolution. 

Thank you for your time. Someone recommended I take this next step. I appreciate your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I have a card with Ulta/Comenity bank, I have not made a purchase on the card since XXXX  and turned my card off I believe in XXXX I have paid hundreds of dollars worth of payments and my balance has gotten higher saying that I am paying late fees despite paying on time, the payments are not processing. The minimum payment and the late fee are very suspiciously the exact same amount which is XXXX out my payments. Recently my limit was increased despite my card being shut off. In XXXX I called to ask where my payments were going because I was not making purchases as my card was shut off, and they said since I was making the minimum payments that the payments were useless. Last month I tried to make my payment and the website said this account is inactive or blocked and didn't allow me to make a payment. Today I went to double check to see if I could try again to pay and my account is mysteriously active again without my permission. I also have an even larger late fee and even more finance charges because the account wouldn't let me pay last month. My balance is now INCREASING despite NOT USING THE CARD SINCE JANUARY AND MAKING SCHEDULED PAYMENTS FOR SEVEN MONTHS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02 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: NJ

Complaint narrative:
US BKPT CT XXXX XXXXXXXX XXXXXXXX US BKPT CT  XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT XXXX XXXXXXXX XXXX Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy Court of New Jersey. I will like this problem rectified or Ill be seeking further legal action. Regarding Experian misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.

I have contacted XXXX and they have provided me a copy of my consumer report and it is not showing any type of bankruptcies. Also, to this date, XXXX XXXX and XXXX have removed the bankruptcies reporting

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 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: MD

Complaint narrative:
They are saying they validated debt without a physical signature. They are validating my rights per the FCRA. They said they satisfied the applicable requirements but they did not they did not provide a agreement with a physical signature, there is no signature on any the agreements.

Company response to consumer: Closed with explanation