vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has a hidden fees of their mortgage program which didn't show anywhere, including their mobile app / website / mortgage statements. At the same time, their mortgage auto payment product didn't charge my checking account for the amount due they claimed. Instead, BofA report a payment past due record which currently impacted my credit score significantly for over XXXX ( from XXXX to XXXX now ). I'm here to provide more information about my situation. Really need your help on this matter. 

Timeline : 1. I had a mortgage with Bank of America for the last few years. I had the auto payment setup which linked to my checking account of BOA as well. It went well for the last few years. And I try to pay my mortgage faster than the original schedule. 
XXXX. On XX/XX/2022, I checked my mortgage and saw there is only {$1500.00} remaining on its balance. Thus I manually payed this amount via Bank of America from checking account to mortgage account. The amount was deducted from checking account successfully. 
XXXX. Since XX/XX/2022, the last three statements of my mortgage shows the total amount due is {$0.00}. Attached please find those statements. 
XXXX. On XX/XX/2022, the above amount still didnt apply and I noticed that my credit score got negative impact significantly. Bank of America report a " past due ''. I checked with Bank of America via their customer support and was told that I need to pay {$140.00} additional fees to payoff the loan which was not showed anyway in app / website / statements. 
XXXX. On XX/XX/2022, I payed this amount via Bank of America from checking account to mortgage account. The mortgage got payoff and account got closed right after that. 

The problem is : ( XXXX ) if BOA need charge me those additional fees, why its system didn't charge via the auto payment which I always had enough balance. 
( XXXX ) Those additional fees didn't show anyway in their mobile app, website, even in mortgage statements? which I wouldn't know at all if I didn't noticed my credit score impacted. 
( XXXX ) I payed this mortgage way faster than the original schedule which caused a past due seems didnt make sense to me at all. 
( XXXX ) I contacted BOA and they refuse to accept that their product design is really confusing. The auto payment function didn't work properly. Their app/website/statements didn't give customer the right amount due information. 
( XXXX ) no alerts or messages at all.

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 2022-10-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Equifax Equifax has not updated my XXXX score since XXXX of XXXX. It is still reporting my XXXX score in the XXXX. I am contacting the agency only to get the run around. All my other credit score are in the XXXX. It seems as though this is a part of the erroneous credit scores that were uploaded in late spring ; early summer. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
XXXX. Validate account XXXX XXXX Account XXXX : XXXX Please rmeove it from my credit report XXXX. Validate account XXXX XXXX XXXX Account Number : XXXX Please rmeove it from my credit report 3 The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX 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
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
I hold a loan with Guaranteed Rate for my property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX During the pandemic, I was an XXXXXXXX XXXX helping in the XXXX in both XXXX and XXXX XXXX XXXX. During this time, I was negatively impacted by the pandemic and qualified for forbearance. I completed the duration of time and re-entered payments on my mortgage on time. In order to account for the payments not made during the time I was in forbearance ; it was agreed that I would conduct a loan modification. This included a 3-month trial period that I completed successfully. I filled out and notarized the appropriate paperwork for my loan modification on time and Guaranteed Rate rejected my initial notarizations because the attorney did not date his signatures. In the state of XXXX XXXX it is not necessary to do so. This delayed the application of my loan modification, but I went ahead and re-did the paperwork again anyways despite the clerical error on Guaranteed Rate 's end, this time from XXXX. For the duration of my original loan with Guaranteed Rate, the trial period for the loan modification, and the duration of time between when it became applied as replacement for the old loan, I have not missed a single payment. However, I have been recently notified that I am due for one month worth of payment and am delinquent. I have held at least 10 phone calls and messaged directly via email multiple times, and Guaranteed Rate is taking a position that I still owe despite never missing a payment. Their current interpretation is that they applied my payments the way they chose to, instead of in line with the loan stipulations and now I am receiving late fees. The purpose of the loan modification was to roll any debts into the new loan and remain on time with payments. Guaranteed Rate is not holding up their end of the deal by misapplying my payments. I want my loan modification to be re-structured to cover the alleged debts and all contrived fees to be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TN

Complaint narrative:
Approx. XX/XX/2022, {$400.00} from XXXX XXXX XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
To whom it may concern, within the timing of the auto repossession it was commonly a surprise to me. Due to the fact Ive had multiple communications with representatives from Credit Acceptance. From XXXX. During, before, and after COVID-19. Communication went as followed Credit Acceptance agreed to remove ALL late payments under goodwill status. Not to mention they also agreed to non-repossession, and non-reporting ANY late payments to third parties. Throughout the year of 2022 Credit Acceptance has reported 11 late payments, and 1 repossession to third party credit bureaus. Credit Acceptance defaulted on their agreement to non-reporting, and non-repossession Pursuant to 18 USC 8, I owe no debt, the company is violating my consumer right to privacy pursuant to 15 USC 168:1 : b2. The company has no permission to report ANYTHING using my info pursuant to 15 USC 168:1:4 On XX/XX/2022 I immediately asked for the credit bureaus to investigate, and remove account from credit report. Credit Acceptance doesnt have the right to make an agreement, and default on the agreement. In which, caused a breach of peace during the repossession, and also deformation of character. Ive lost personal property when the vehicle was repossessed Secondly, the vehicle was repossessed on a personal property behind a closed locked gate. Thirdly I was never informed nor received a message as to where, and how I may collect/retrieve personal items. According to Michigan repossession laws all three reasonings is a breach of privacy. I'm highly upset that Credit Acceptance are partners with XXXX XXXX. As stated by personal experience the company itself has been known for stealing customers personal items. At the time of the repossession I was unable to hold my job due to missing work and lack of transportation. That also incur other significant costs, including the expense of finding alternative transportation, fees related to repossession, and negative marks on credit reports. Not to mention Credit Acceptance engaged unfairly failing to obtain refunds for me for add-on products that no longer provides a benefit to me. Credit acceptance has also misled me about the amount of final loan payments after my normal payments were deferred due to financial difficulties largely as a result of the COVID-19 pandemic.

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 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
How dare Bank of America send my {$69.00} payment back to XXXX XXXX XXXX overnight ( XX/XX/2022 ) and now jeopardizing my home warranty policy!!!!!!! When the bank ALLOWED a double XXXX transaction for {$210.00} to tie up my availability of funds because they didnt omit one of the erroneous holds!!!!!!!!!!! 
Thats some nerve and its transactions like this that makes financial institutions subject to CLASS ACTION suits!!!!!!!!

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 2022-10-26 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: GA

Complaint narrative:
Credit Reporting Agency ( Experian ) continues to report XXXX XXXX on my consumer report that I have identified as identity theft even after I have supplied requested FTC report. Pursuant to 15 USC 1681c-2, this information was to be blocked and removed no later than 4 days. This is not information relating to any transaction by me the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has no written or verbal consent or permission to report any information or non-public information to my consumer report. These are violations of my consumer privacy rights. No disclosures was provided to me. Continued reporting of these accounts deems improper utilization in which Experian can be held civilly liable for damages caused to me ( see attachments ) Experian also is blocking my ability to utilize their website to upload my documents. ( see attached screenshot proof ) I tried for 2 days to upload 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 2022-10-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint XXXX  continues to claim that I have an account with XXXX  that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.

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 2022-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: WV

Complaint narrative:
My data was breached in 2017 from an XXXX data breach and my identity was taken electronically somebody must have file for XXXX XXXX. That I never received or signed for as were my emails hacked into and credit card info all the while my wife was working a job for XXXX as a XXXX for thXXXX XXXX XXXX XXXX  our data is stolen. I never had XXXX XXXX on the dates this company has stated and they will not remove this from my credit file after I disputed these facts.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: MI

Complaint narrative:
My personal information has been compromised and someone is attempting to apply for credit using my information. 

I have reported this to all three credit bureau 's but a fair resolution has not been provided.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My personal information has been compromised and someone is attempting to apply for credit using my information. 

I have reported this to all three credit bureau 's but a fair resolution has not been provided.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
My personal information has been compromised and someone is attempting to apply for credit using my information. 

I have reported this to all three credit bureau 's but a fair resolution has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TN

Complaint narrative:
Approx. XX/XX/2022, {$400.00} from XXXX. XXXX, XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 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:
Approx. XX/XX/2022, {$400.00} from XXXXXXXX XXXX  XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: MI

Complaint narrative:
In accordance with the Fair Credit reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Account No : 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 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 USC 1681 section 602 A Section 2 .

States I have a right to privacy 15 USC 1681 section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containg any of the followering items of ingormation.any other adverse items of information other than records of conviction of crimes which antidotes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable case to belived that the information is inaccurate

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 2022-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc.
State: ME

Complaint narrative:
I have been receiving phone calls almost every day for the past 10 months regarding these bills I never paid, which I indeed have, and they keep coming up with false secondary charges/hills after I already pay XXXX off. And they constantly Harass me calling me during my work day and disrupting me, and do nothing to resolve this issue. They have yet to send me any itemized paperwork stating these bills are real.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Today is XXXX XXXX. I checked my credit score on Wells Fargos banking website. Wells Fargo uses XXXX  and XXXX XXXX Wells Fargos credit score is not the same as my XXXX credit score on XXXX website. XXXX is using XXXX XXXX as well. I have attached both websites to show proof that the credit scores are not the same. The fair credit reporting act law states that all consumer credit reports and scores MUST be accurate. Why is Wells Fargo not reporting the same XXXX XXXX score as 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 2022-10-26 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: CA

Complaint narrative:
Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint XXXX continues to claim that I have an account with XXXX that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2

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