vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX : 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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 cause to believe 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 non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore Management Services is my XXXX loan company for my home that can not find my previous payments that were made from the my last XXXX mortgage providers. Despite the fact that I keep sending bank statements, they are now trying to foreclose on my home. Back on XX/XX/XXXX, I received a Notice of Default, in which I responded and provided them with the DATES and BANK STATEMENTS to reflect that payment had been made, when then said they hadn't received payment. Because I am on Social Security and Only Get Paid, Once A Month, I pay my mortgage late, but I HAVE BEEN paying the mortgage nevertheless. Now, fast forward to XX/XX/XXXX, I received another Notice to Default. It appears as though Rushmore Management Services has been ( in the past 2 years between XX/XX/XXXX & XX/XX/XXXX ) applying ( Without my Knowledge ) my monthly payments ( that I have been making since then ) to what they claim to be the " past due monthly payments '' which is NOT CORRECT. I have sent in the Bank Statements to them ( via email & mail ) to Show that I DID Make the Payments that they are claiming are past due. Now because of this they are saying I am behind on payments and are attempting to Foreclose on my property. In addition to that, I attempted to make my XXXX payment on XX/XX/XXXX and I was told that they can not accept any more payment from me. WHAT!!! I have attached a copy of the Notices of Defaults I've received back in XX/XX/XXXX & recently on XX/XX/XXXX. Beside the dates they claim that are past due, I have written the date that it WAS INDEED PAID & I DO, have my Bank Statements to support these Facts ( again, which I have already sent to Rushmore Management Services and they STILL HAVE NOT UPDATED/CORRECTED their records ) I DO NOT want to loose my home due to a clerical error on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. I have been a Bank of America customer for the last 23 years having checking, savings accounts. I have also a business account with Bank of America for our non-profit chartiable foundation for the last XXXX years. 
2. Last year in XXXX, when I logged into my account, I saw a promotional offer from Bank of America for opening a credit card account. It offered XXXX rewards ponts or {$300.00} statement credit when you spend {$3000.00} during the first 90 days of opening of an account. So, I applied for the credit card in XXXXXXXX XXXX and I got the credit card approved and in mail by end of XX/XX/2022. I charged {$3000.00} to the new CC card for one of our bills due with XXXX XXXX XXXX XXXX XXXX CA and paid the amount the very next month. 
3. After ninety days, my account was not credited with the rewards points or the statement credit as promised. When I called BoA customer service, I was told to submit that I am an authorized person for my business and I did submit that and also a letter requesting my rewards points or statement credit. I called again couple of times, but so far they have not fulfilled their promise.

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 2023-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr. Cooper/Nationstar Mortgage is doing faulty & illegal business with our mortgage loan. 
They bought our loan without notice, then improperly handled the transfer and our partial claim approval from our previous lender. They put us behind 2 months before even opening our account properly with Mr. Cooper. 
They continue to claim that we are being sent certified mail on several occasions but they can not provide us with tracking information or signed receipts from the mail. We have attempted contact through emails and the email address we were provided came back as unable to be delivered. They are documenting phone calls to us from several different numbers and never leaving voicemails or return contact information. 
They are now threatening foreclosure without cause. We are working with a recovery program and Mr. Cooper will not accept payments when we call to pay our monthly payment. They are demanding multiple payments at one time and continue to put us months behind. 
We have attempted to address our concerns with the escalation department, and we are not being heard. They are not taking our concerns serious or accepting fault in this matter because their doings are unjust and illegal. 
Nationstar Mortgage is currently being sued for these exact same actions, and many other illegal doings, on several other accounts. They are threatening to foreclose on our home due to financial errors on their part and they need to be held accountable, financially and for the emotional distress this has caused to our family. 

There have been hundreds of complaints filed against Mr. Cooper/Nationstar mortgage within the last 6-12 months. 

I am demanding a personal investigation into our account by a third-party company unaffiliated with Mr. Cooper or Nationstar mortgage. I would like this investigation done within the next 30 days from this date of request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I scheduled a XXXX XXXX at TIAA Bank to pay a merchant. XXXX issued a bill pay check in accordance with my request. 

My merchant deposited the XXXX check on XX/XX/XXXX, however, its bank rejected the check and charged it back as " Not a Valid Check ''. I scheduled a new bill pay check to be issued to my merchant. On XX/XX/XXXX through the online message center for my XXXX account, I requested XXXX to credit my account for the invalid check that my merchant was unable to process for payment. 

XXXX replied to my request in XX/XX/XXXX that they needed my approval a {$25.00} fee charge to stop pay the bill pay check that was returned as invalid. I responded on XX/XX/XXXX that my request for a credit to my account was due to XXXX issuing a check that my merchant was unable to process for payment, not because I wanted to stop pay the check so I should not be charged {$25.00} for a stop pay. I asked that if XXXX refused to credit my account that I wanted an operations supervisor to call me. 

Having received no reply, I visited the message center for my XXXX account. The earlier communications regarding this matter had been deleted and I was blocked from posting new messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: KS

Complaint narrative:
Subject : Complaint Against Experian for FCRA Violation - Report Number : XXXX Dear Consumer Financial Protection Bureau , I am writing to lodge a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ). Report Number : XXXX was closed on XX/XX/23, yet it has remained in the dispute process since XX/XX/23, exceeding the promised 30-day resolution period. 

On XX/XX/23, I initiated a dispute with Experian by directly calling their dispute specialist. We discussed various incorrect and fraudulent items on my credit report. The specialist assured me that the matter would be resolved within 30 days or removed, as required by FCRA Law. 

I submitted supporting documentation for the disputed items during the following weeks. However, on XX/XX/23, only the disputed addresses were closed and updated - Report Number XXXX. The account related to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) remained open without any dispute results until XX/XX/23. 

Experian 's failure to handle this dispute within the promised timeframe and its inaccurate reporting stand in violation of FCRA Law. I urgently request the CFPB to hold Experian accountable for their actions and have this inaccurate account removed from my credit report immediately. 

Enclosed with this complaint, please find relevant documentation, including records of my dispute initiation, communication with Experian 's specialist, and the subsequent updates. 

Thank you for your attention to this matter. I anticipate your swift action in resolving this dispute and upholding the integrity of the FCRA.

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 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Fairway Capital Recovery, LLC
State: NY

Complaint narrative:
I was contacted by Fairway Capital to attempt to collect a bill I believe I do not owe. I had a procedure in an outpatient office last year and they made me pay cash up front, over {$1200.00} and a year later they started billing me a little over {$100.00} with no explanation. I do not believe I owe this amount and Fairway Capital who keeps calling me was notified about this dispute and continues to Harass me constantly. I explain several times about the situation and told them I am refusing to pay so they are wasting my time and continue to Harass 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 explanation
Consumer complaint received 2023-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and information listed below should not be reported, as their presence constitutes a direct violation of the FDCPA ( Fair Debt Collection Practices Act ) and FCRA ( Fair Credit Reporting Act ). It is imperative that these accounts and information are promptly removed from my consumer report to rectify the violation of these laws. I urge you to take immediate action and eliminate these items without delay.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hard inquiries appear on my credit report that I dont recognize they should be remove promptly XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX remove date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Trans union credit bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-07-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/XXXX I successfully placed a temporary lift of my credit freeze with both XXXX and XXXX. Each of these lifts took 5-10 minutes to complete. 
However after wasting more than an hour on line and on the phone ( not with a live agent ), I was unable to do this with Experian. I have not received a response/call from Experian. This is infuriating - especially since they are the ones who had the big data breach in XXXX, if Im not mistaken, that caused me to enact a credit freeze!

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 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: EAST WEST BANK
State: CA

Complaint narrative:
My account was frozen around XX/XX/23 due to an unknown reason and I have submitted all required documents.. I called East West bank multiple times with no help whatsoever. There is a remaining balance left in the account that is rightfully owed to me but every time I call I am getting a different answer. I am entitled to my funds because there has not been any fraudulent transaction on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Sunrise Credit has called me repeatedly throughout day. When i did answer i asked for information about this alleged debt to be sent to me in writing. However before anything was sent to me this account is appearing on my credit report and they are tellng me it can not be removed. The only thing i can do is pay it and had it sit on my account. I have been a victim of identity theft before and it has been reported. They were not helpful i was young up on and transferred without event being told. I spoke with a XXXX who said there is nothing that can do even if the debt is not mine i have to pay it and it will look better on my account as a paid collection. This account is not event reporting correctly a collection account reporting a balance in inaccurate reporting. I also spoke with a XXXX and XXXX and being told i have to pay this debt they i did not get any verification for that it belongs to be. This collection account is detroying my credit and i want this removed. If they contiune to refuse i will take legal action due to them demanging my good name. 

Account number : 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 2023-07-24 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 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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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