vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
Hello, I am a XXXX XXXX and i am trying to do a cashout refi for a borrower. This borrower 's current mortgage is held by BSI Financial Service. The borrower 's credit report shows him having a 30 day late on his mortgage back in XXXX. The borrower was never actually late. This was a result of an error on BSI 's end while onboarding the borrower 's loan from a recent service transfer. 

The borrower tried to have BSI correct there error. In XXXX, BSI sent him a letter stating that the 30 day late was reported in error. They said that the late would fall off of his credit report within 30 days. Fast forward to XX/XX/XXXX, and the 30 day late is still reporting. 

I have a service at my company where my credit provider can rescore/adjust the credit report. All my credit provider needs is the same letter that BSI sent in XXXX, but with a date on it after XX/XX/XXXX. ( We can not use the one from XXXX ) The borrower then called to have them email it. They said they would and they didnt. I then called ( Myself and my company are an authorized 3rd party ) and tried to get them to send the letter with a new date. They said they would and after a week they did not. I called again and had the same conversation, they said they would send it and did not. A week later i called again, and had a very similar converation, except this representative told me that she could not verify me as a authorized 3rd party. I asked who i should send the signed borrower 's authorization form to. She gave me their customer care team 's email. on XX/XX/2022 i emailed the BSI customer care team a new signed borrower 's authorization form and requested that they respond when they receive it. Five days later, no response. XX/XX/2022, i sent another email following up. 

After that, i XXXX the company and read XXXX  reviews. it seems that this is common practice for them. Someone said that they will not help you unless you get the CFPB involved. Please help. My borrower will greatly benefit from getting this cashout during such a hard time, and can not because of the actions/inaction of BSI financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I was advertised to on XXXX for a pre-approved personal loan from regions bank. I applied for the loan from regions bank who did a hard credit check and was then denied the loan. I complained to regions bank who refused to reverse the decision or remove the hard credit check from my credit report lowering my credit score and making it harder to get future credit as well as raising the price I had to pay for future credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I had my identity stolen, this account was opened fraudulently. I have never lived at address on file. I have lived at the same address almost 40 years. I have supplied the company a FTC report and police report and they have not taken account off credit report like they said they would

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank Home Mortgage reported my account as 120 days late, and it is showing a 0 balance. It shows that I have paid the balance, and lists that the account is closed, but the account status states " Derrogatory '' and still says 120 days late. Prior to selling my home in XXXX, I was put on a mortgage assistance plan which lowered my monthly payments and was supposed to bring my account current ( I believe this happened in XXXX, the home was sold in XXXX ). 

The reason my account became derogatory was because when I called in XXXX of XXXX, I was told that my account was in good standing. I called again a few days later to double check, and was told the same, however it turned out that one of my payments had been returned. For at least two months I went back and forth with customer service being told that it was in good standing despite having mail stating that I missed a payment. 

Eventually I spoke with a customer service rep who looked further into the details of my account and found that at this point, multiple payments had been returned, and my home was at risk of foreclosure ( this was in early spring I think ). They would not accept partial payment ( which is what they considered the payment for that current month ), and I was not in a position to pay multiple mortgage payments at once ( I was going through a divorce and on a tight budget that only covered one month 's mortgage payment per month ). 

I then applied for and was enrolled into a mortgage assistance program and was accepted, which I was told would bring my account to good standing. A few months later I sold the house, which paid off the mortgage in full, back in XXXX. Back then, I had the dates and times of my calls with customer service, but at this point, more than three years later, I don't have those details anymore since all of this should have been resolved when I enrolled in the mortgage assistance program, and certainly it should have been resolved when the mortgage was paid in full at the sale of my home.

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 2022-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bay Area Receivables, Inc
State: MD

Complaint narrative:
I was called by XXXX and told that i had a ZERO balance and the bill would be taken written off since the doctor received an explanation of benefits stating my insurance has paid in full.. I still saw the bill on XXXX and called them back and XXXX harassed me!! Told me I was wasting his time & continued to ignore my question and said no one here told you that do you want to pay or not? I was advised by XXXX XXXX reached out to a XXXX over at the providers office who was the head dog in billing and could verify if a XXXX was really received I then called back to the debt XXXX office where I spoke with XXXX who works with XXXX XXXX XXXX and asked if he was able to provide me with the number to the providers office where XXXX was located he provided me with a number and I called and there was NO XXXX in billing so I called back and spoke with XXXX and advised I would like some clarification since receiving his previous information & he said listen XXXX officially confused me and theres nothing else I can do you gon na pay or not? I asked for a manager and he said no, there is no one here for you to speak with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TN

Complaint narrative:
I have already filed one complaint about the lack of communication with ED financial when trying to request a refund from my payments made from XX/XX/2020 until now. I originally requested the refund for ALL payments that were made from XX/XX/2020 until now on XXXX. I was ensured this would include payments that were made though XXXX before my servicer was changed to ED Financial. I wanted to be sure all of my payments would get refunded between both loan service providers. As of Today XXXX I checked my account balance and it does reflect my refund but only for the payments I made with ED Financial. The request was supposed to be a refund for all payments that were made through XXXX and ED financial. I then chatted with a customer service representative through ED financial and did notice they made a mistake and would have to review this request again? This should have been done initially, now I am going to have to wait even longer for something that should have been finished and completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: SC

Complaint narrative:
XX/XX/2022 Letters were sent to Experian asking to please correct the fraudulent accounts from my consumer report and I received and email stating that the accounts were found verified. 

XX/XX/2022 Another letter was sent to Experian stating that the email I received was not the proper way to inform me. Also that the fraudulent accounts that remained were not properly investigated and completely went against the federal laws in place set by the FCRA. These invalidated accounts were updated and my credit score suffered tremendously. I explained that my rights were violated and never received a response since. 

Proof attached.

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 2022-09-22 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: Synovus Bank
State: TX

Complaint narrative:
It has came to my attention that First Progress Card has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 

Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

First Progress Card is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and First Progress Card. This account with First Progress Card is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. First Progress Card, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Compass Bank Viloated my rights by sharing information with out my consent And Per FCRA and GRamma Leach Bliley act The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Pursuant to Fair Credit Act section 15 U.S.C 1681 ( a ) ( XXXX ) Infringed Upon a Consumers right to Privacy section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.C 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Earlier today, after reading a " restriction '' prompt on both my Capital One XXXX and Quicksilver cards, I just found out that they have closed two of my accounts. 
I have reached out to them this morning and spoke to two account managers. The first person I spoke to was just robotic and unnervingly unempathetic, the second manager had a better tone but both could not give me " FAIR '' option/s. They said that the reason behind the closure was due to the multiple return payments occurred on both accounts. Let me be clear that I respect the terms and conditions, what I do not understand is the lack of communication from them, not even an inch of investigation on what was going on. I have always been on top of my payments, never neglected my accounts because I know that this will affect my credit score. I also reach out to them if problem occurs and tried fixing them. One problem I have is the multiple bank accounts that I have linked to my credit cards, causing trouble in several occasions because I get confused on which account should have been used. Moreover, I have had incidents of compromised banking specifically the ones I have used recently to pay my XXXX card. 
Now, with all these things mentioned, it just unfair on my part that simple mistakes I have committed, even if I am paying them off regularly would result into an unjust closure. Not to mention the many times my Quicksilver was compromised too and had it replaced, not to mention the many times I have experienced terrible services from Capital One due to miscommunication among their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 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 2022-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
-On XX/XX/XXXX letter was received from Portfolio Recovery Assets denying my dispute. This dispute was due to identity theft back in XXXX. Portfolio Recovery Assets states they have completed their investigation regarding the debt and established it was valid. However, they only sent me statements from the original creditor which shows an incorrect address I have never been associated with as well as around the time my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: PA

Complaint narrative:
XXXX, experian, and XXXX, are penalizing me via continued poor credit report based on fraudulent charges on a XXXX XXXX XXXX. My disputes with the credit bureaus were closed prematurely due to the fact that the investigation within XXXX bank are ongoing. I should not be penalized until charges can be authenticated. XXXX bank is still in the process of attempting to do that. My complaint is that the credit bureaus ( XXXX, Experian, XXXX ) are wrongly and knowingly reporting unsubstantiated claims by XXXX Bank. Account XXXX. {$1800.00}

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 2022-09-22 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:
I received an email 2 weeks ago about a checking account that I had opened at XXXX XXXX- except I never opened any accounts there. It seems somebody got a hold of my Social Security number, my birthday, and other vital personal information and were able to make a checking account in my name. I have since closed it with XXXX XXXX XXXX I froze my account on all three credit reporting agencies, And I even filed a police report for fraud. Then I got three credit cards in the mail in both my name and a mans name, to an old address that I have not lived at for six years. I am afraid that because this man has all my information he will keep trying to do things using my identity. This is basically a case of identity theft, and I do not want somebody to continue to use my information.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
my name is XXXX XXXX im requesting that the 3 consumer reporting remove any security freezes as well as fraud alerts from my consumer report as of today XX/XX/22

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
my name is XXXX XXXX im requesting that the 3 consumer reporting remove any security freezes as well as fraud alerts from my consumer report as of today XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Following my last complaint to the CFPB, Citi has retaliated by restricting my account, even though my account is current and I have not breached the contract we have in any way. 

Furthermore, the situation began when they revoked my access to my online account without cause of any kind, then proceeded to refuse to acknowledge the problem, let alone make any attempt to right the problem. This is the second time this year they have done this. 

Since I was enrolled in paperless statements, and Citi does not think they are doing anything wrong because they have no integrity or work ethic, I have not received a statement for 2 months. 

Citi is refusing to correct their errors because they don't like that they are getting cussed out on a regular basis. Last time I checked... having your little feelings hurt doesn't negate the contract we have. 

You are required to provide me with a monthly statement for my account, and you are failing to do so. As there is currently no physical way for me to pay on my account or manage the account otherwise... I'm not sure how you are expecting that I make my payments, as your customer service team doesn't know how to answer the phone. I am left with no choice but to consider your lack of cooperation as a refusal of my payments.

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 2022-09-22 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:
The inaccurate information that Transunion has furnished on my consumer report has caused me to be denied my right to extend credit. I have attached the letter that has been sent to Transunion expressing the situation and I have also attached the adverse letters that I received when attempting to extend my credit. This has caused me emotional stress, financial stress and now I am starting to have issues with keeping food on my table to feed my family. I am reaching out to beg for assistance from the CFPB, I don't know what else to do. I have lost my vehicle, which was what got me back and forth to work so now I am unable to work, I am behind on my rent so I am in jeopardy of losing the roof over my head. I am in an extremely bad and terrifying situation. Please help me

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