vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
I had contracted with Lexington Law in or around the year 2017. I had been told they send letter on your behalf to the creditors in order to fix your report. I received returned mail where they not only submit letters on your behalf, but they forge your signature. An " attorney '' ( female ) told me they were granted POA through the XXXX & XXXX 's and fine print, yet what attorney forges a signature instead of signing in POA?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

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

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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to the CARES ACT ... .. an accomodation includes " ANY '' payment assistance or relief granted to a consumer affected by the pandemic ... .my account was in good standing and current as agreed until XX/XX/2021... XXXXA late payment shows in XX/XX/2021... I am asking for relief and consideration for this payment to be reported and updated according to the accomodation of MILESTONE granting and waving a late fee during this time which constitutes an accomodation which qualifies under the CARES ACT. 
Acct # XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to the CARES ACT ... .. an accomodation includes " ANY '' payment assistance or relief granted to a consumer affected by the pandemic ... .my account was in good standing and current as agreed until XX/XX/2021... .A late payment shows in XX/XX/2021... I am asking for relief and consideration for this payment to be reported and updated according to the accomodation of XXXX  granting and waving a late fee during this time which constitutes an accomodation which qualifies under the CARES ACT. 
Acct # XXXXXXXX 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 2022-06-11 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: MI

Complaint narrative:
On XX/XX/2022 I received a call from this name and number XXXX XXXX, XXXX stating that I had ordered XXXX. Today I was contacted by this phone number XXXX stating the same thing. I did not Altherize either transition. So I tried to checked my account on and was dinied access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im sorry I previously made this complaint but forgot the account number. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. The amount reported is {$320.00}. Account number XXXX. 

15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BANK OF AMERICA charged my low account ( acct # XXXX ) {$10.00} to {$35.00} overdraft fees on the following dates and refused my request for a courtesy refund today. 

I have also emailed their CEO and corporate staff about this. 

XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XXXX, XXXX and XXXX they charged a XXXX XXXX monthly fee. 

The total fees charged was about {$1100.00}.

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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VT

Complaint narrative:
Since XXXX of XXXX I made Rushmore XXXX, my loan servicer, aware that I wanted to end my forbearance from XXXX and begin making payments again. I filled out an application to start the remodification process. I was asked to send documents to verify income. I sent all documents asked for. Since XXXX of 2021 I have now filled out the application 3 times and sent new updated documents countless times. Rushmore NEVER would call me. I had to write a letter asking them to call me for updates. To date, I STILL HAVE NOT RECEIVED A CALL FROM RUSHMORE XXXX on any updates even after requesting them to call me IN WRITING. I was asked COUNTLESS times by Rushmore to send documents that I already sent them. I would call them periodically and they would tell me they still need a document before it could go to the loan officer. I would tell them I already sent it and they would look and see that I did. Due to a 30 day time limit they put on the application, they could then ask for new updated application with new documents to start the process all over again. I would comply in sending them within hours of the conversation. The last time I spoke with Rushmore, they PROMISED me that this time the documents they requested would make my packet complete so they could send it to the loan officer. They have told me this XXXX times! I always would send them the requested documents within hours of the conversation. Today I received a foreclosure notice saying I had 21 days to reply or lose my home. The tactics of asking for the same documents over and over, which causes time to lapse so they can ask for them again and again and then start a new application process has caused the foreclosure to start. The worst part is I have shown Rushmore that I can more than afford the monthly payment yet they keep stalling by asking for documents I have already sent them! I believe this to be predatory business practices! I remodified a different house loan only XXXX XXXX XXXX and the company XXXX XXXX, completed and approved me within 30 days! I even sent Rushmore the copy of my remodified loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 2022-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: IN

Complaint narrative:
I took out a {$100.00} payday loan from Advance America in XXXX, XXXX. It was due on XXXX, but I contacted them and got a deferral until XXXX. Despite the deferral, they have called repeated over the last couple of days. They only called a couple times, maybe 3 times on XXXX from their local office number of XXXX. Today, on XXXX, they have called over XXXX times starting at shortly after XXXX and calling every XXXX minutes from a variety of numbers. Just while trying to type out this complaint, theyve called twice. They dont even leave a voicemail, they just hang up and then call back about XXXX minutes later. I have been approved for a deferral so they shouldnt even be calling me at all, but especially not as frequently as they have called me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-12 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
in accordance with the fair credit reporting act XXXX  Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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

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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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

1

5 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit score is reporting incorrectly. 
My score has not changed since XX/XX/XXXX. That is what is being reported currently, a score from XXXX to all my creditors when I apply for new credit. 
Several attempts have been made to settle the issues. BUT all I get are unfulfilled promises. The ball is being dropped here. 
This is a violation of my rights. 

The pictures I shared are from the experian app viewed XX/XX/XXXX Laws being violated - 15 U.S.C. Sec. 1681i, 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ) and 1681i ( a ) ( 1 ) ( C ) 1681i ( ( a ) ( 2 ) ensures promptness in handling my request.

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 2022-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient continues to contact my XXXX Grandmother  who is XXXX XXXX XXXX regarding XXXX student loans that she co-signed for me XXXX years ago in the years of XXXX. I have asked that they remove her from the calling directory but every day for the past year she receives at least 4-5 calls a day to her home where she and my grandfather reside alone and can barely XXXX My grandparents and I have asked they contact me instead the calls have not ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: MO

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-12 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: MO

Complaint narrative:
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 2022-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I made a purchase for items through XXXX with Affirm as a lender. The amount was over {$800.00}. Unfortunately the account was charged off so I am unable to give an exact number. 

In any case, when I complained to XXXX that I had not received my order, they suspended my account. I provided proof that the items were not delivered to my home and also the police XXXX who wrote the report agreed that the home in the delivery pictures were was not mine. 

I contact Affirm XX/XX/2022 then when no one responded, I contacted them again on XX/XX/2022. I would also Receive emails telling me that my account would be charged off eventually if I did not make a payment. At maybe two or three separate times I called the firm to confirm that I would not be charged off since the debt was technically not mine to pay since I had not received my items. At one point in time I was told by a representative that my account was on a special type of old which would not which would not affect my credit report. Every time I called, I was told that the situation was still being investigated. 

Today I received an email telling me that my account was charged off. When I called in, a representative told me it was because I didnt respond to an email on XX/XX/2022. Upon further investigation, they determined that I actually did respond. 

I was told by a supervisor named XXXX that it was too late to stop the charge off and that my lack of payment would affect my credit report and future loans with Affirm. When I told her about the hold on my loan she told me that they could not guarantee such a thing and that all she could do was forward my case to higher ups. Obviously Affirm had no plans on investigating anything. Even though I provided pictures and a police report. 

XXXX a XXXX veteran that has worked off to pay off her debt and get back on her feet. The items purchases were for XXXX XXXXXXXX and I ended up having to sell other things to get things for school. This company is disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-12 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: MO

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

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