vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I contacted the XXXX XXXX ( my lender 's - LoanDepot - service provider ) about removing the PMI. I know that it can be removed either because the debt has been paid down to 80 % or the value of the property has increased to achieve the 80 % debt to equity. Everything was fine at the start with XXXX XXXX, providing daily updates on the delay. I submitted my request on XX/XX/21 and I finally receive a response on XX/XX/21 from XXXX XXXX noting that I needed to secure a BPO. I would have appreciated a prompter response on this if that's what I was going to be told. Subsequently, I receive an email from the PMI XXXX XXXX email stating that I can remove the PMI via the original value removal option or the current value removal option. For the latter, I must now pay for an appraisal in order to move forward with this. I find this is taking advantage of the customer and honestly the mixed messaging is not appreciated. I feel like the company is taking advantage of me as a consumer. They should be able to secure an updated valuation, either via an appraisal or BPO, with no issue. Someone please help look into this type of inconsistent treatment on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
My name is XXXX XXXX and I am a Identity theft victim dated back to XXXX. My License, passport, social security card and checkbook was stolen from one of my XXXX. I have tried SEVRAL times to dispute these items as the information in incorrect, my spelling of my name, wrong address and incorrect license numbers. There is a auto loan in my name dated back to XX/XX/XXXX Credit Acceptance Corp XXXX XXXX XXXX, XXXX mi, 48086-account number on credit report is # XXXX. I have requested the original documents over and over. With no results only harming calls, they got my number from when I initially called to inquire why they were on my report. Ive disputed and this debt is still there. Please help. I have my police report # XXXX with XXXX police dept. I also file an Identity theft report in early XXXX with the FTC # 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 2021-06-19 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and XXXX which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the Experian report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my Experian report and a copy of XXXX and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!

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 2021-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I would like to file a formal complaint against Equifax for the following reasons. I'm providing my XXXX XXXX information that was submitted to defend against constantly delayed data updates and proper reflection that I'm a highly credit worthy citizen. NOTE : I have a perfect payment history, not one day late on paying anything. 

1. Equifax has consistently been reporting 30-50 points below XXXX and XXXX for no justifiable reason. 

2. Equifax has been significantly lowering my score for small increases and refusing to re-adjust after major decreases, lowered balances and paying offs. 

( -20 ) XX/XX/XXXX - for a XXXX loan I paid off in full ( -9 ) XX/XX/XXXX - for decreasing a balance {$180.00} ( -51 ) XX/XX/XXXX - for a new card I opened that is now below 35 % ( -16 ) XX/XX/XXXX For a {$1900.00} balance increased that is now paid down well below 35 % ( -22 ) XX/XX/XXXX for a XXXX XXXX card I opened which is now paid down over 35 % ( -12 ) XX/XX/XXXX For paying off XXXX XXXX loan of XXXX ( -46 ) for credit utilization which are now all below 30 % -50 % lowered. 

( -5 ) XX/XX/XXXX for decreasing a balance {$72.00} ( -21 ) for XXXX balance that increased by {$140.00}. XXXX payments are never missed 3. Equifax is projecting that I'm not credit worthy and interfering with my ability to lease my XXXX that I've waited 6 months to be receive. I will lose this car if you don't properly report data, my credit worthiness and score. 

TIME SENSITIVE : Their reporting is ruining my lease with XXXX XXXX and is going to keep me from picking up a car I've been waiting for, for over 6 months. This is feels like Torturous Intrusion against my right to credit and to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: National Credit Systems,Inc.
State: NH

Complaint narrative:
I owned and lived in my own home for 27 years. I have never heard of this company. After the shock of seeing this on my reporter, I tracked down this company and learned it is notorious for filing false credit claims and then shaking down the victim for money to remove it. What a sore lack of integrity on the credit bureaus for allowing such a corrupt and transparent scheme. This company has has apparently been the subject of multiple lawsuits and have included links below to some of the sundry of complaints against them that date back several years. This is an absolute egregious violation of the FCRA and it's outrageous. I demand this claim immediately be removed and that this complaint along with its attachments is immediately posted in this matter. XXXX removed it ( I think ). XXXX claims they verified it. There's absolutely no way this account/claim could have been verified! It's false. I have not applied for any credit for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank-Relia CardOn XXXX XXXX, I made a card to bank transfer. Ive called multiple times to have this issue investigated. Each time they said they would open an investigation, and did not do so. On Tuesday, XXXX XXXX, a rep finally opened up an investigation. When I called in today, I was given a trace number and told by the rep, that was all he could do. Then I requested a supervisor, XXXX came on the line. He was very rude, over talked me, and then sati made a transfer to the wrong account. After this, he stated that he could see where money had actually been transferred to the account in question. XXXX stated he could not give me information over the phone and suggested I call my bank. After calling my bank, for the third time and giving them the trace number, they still had no information regarding the transfer in question. When I called again to Relia Card, I was told by XXXX, from card holder services that I had to call US Bank. The rep from US Bank, stated the they lent their name to Relia Card and do not have any information about my card, and I do not have an account with them. Upon calling Relia Card again, the rep was rude and gave me the trace number again to call my bank, stating nothing else could be done by Relia Card. Im still {$2000.00}, the amount of the transfer, and they are refusing to provide any additional assistance. No investigation has taken place. This is very frustrating. This is my unemployment compensation and I need it. Hopefully, you can assist me with this.

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 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Almost one year ago EDD took all positive funds that were available and turned it into over $ XXXX in the negative. Finally last month they sent me a letter about some claim that didn't match up with the amount + some that was overdrawn not including months of current certifications. At the end of the day the basically wiped out my amount that was overdrawn and made my account available with {$200.00} and called it a day. No explanations other than this was all EDD 'S FAULT. I've tried to speak to them countless times for infor from the beginning to the end but never any clear answers. This is corrupt and robbery. Im A single mom of XXXX homeless, almost lost the custody of my children because I was not financially stable. Needless to say this was just the icing on the cake to a time desperately in need for financial support. I have lost everything and I have no energy for day to day task at this point. Very disturbing and disappointing. Please give me something or some type of resources. Mom of XXXX year old twin boys and soon to be XXXX year old daughter. Please Thank you for taking your time out to read this. 

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 monetary relief
Consumer complaint received 2021-06-19 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the Transunion ( which showed my old address from a year ago ( XXXX XXXX XXXX XXXX  XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and XXXX  which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the XXXX report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my XXXX report and a copy of XXXX  and Transunion too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!

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 2021-06-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXX XXXX  XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and Equifax which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the XXXX report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my XXXX report and a copy of Equifax and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I WAS MADE TO GIVE BLOOD AFTER I WAS ASSAULTED REPEATEDLY AND TOUCHED INAPPROPRIATELY. I WAS MISTREATED BY THE SECURITY GUARDS AND NOT GIVEN A CHANCE TO GIVE MY SIDE OF THE INCIDENT. THE DOCTOR BY THE POLICE STATION DID NOT RECORD ANY OF MY SYMPTOMS AND EVEN CALLED ME AN XXXX. THE OFFICER TOLD ME THAT I NEED TO GIVE MY SIGNATURE AND HE WOULD RELEASE ME. AFTER 3 YEARS I AM STILL BEING SENT A LARGE BILL THAT I REFUSE TO PAY AND WOULD RATHER SEE DISAPPEAR AFTER THE TIME REGULATION IS UP WHICH I BELIEVE TO BE 7 YEARS PER MY RESEARCH OF MEDICAL BILLS. I DO NOT WANT THIS ON MY CREDIT REPORT AND I BELIEVE THAT IT IS AN INJUSTICE THAT I HAD TO GO THROUGH THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I got internet from XXXX and during the installation they said they couldn't use my modem and substituted their own without telling me. When I terminated the service, I asked if there was anything I needed to return and they said no. I moved to a different state and they sent the bill for the modem to the old address. I didn't know about this until the new home owner forwarded the bill to me. I contacted XXXX XXXX  3 times before they sent the box to return the modem. I got the return box on XX/XX/2021 and then I mailed the modem on XX/XX/2021. 
They have still not removed the collections from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is about the consumer reporting agencies ignoring my dispute letters and also violating my consumer protection laws under the United States Code Title 15 Chapter 41. They are reporting that I owe debt. Under the definitions listed under the fair debt collection practices act, the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money property insurance or services which are the subject of the transaction are primarily for personal family or household purposes whether or not such obligation has been reduced or judgement. Debt does not mean money according to congress. 
I am the original creditor because I extended to credit to the corporation. Therefore I am the only one who can validate this alleged debt because only the NATURAL PERSON can validate the debt not the corporation because a corporation is a entity not a natural person. So like I said I DO NOT VALIDATE THIS DEBT. 
Due to the fact that they have ignored all of my letters and violated my consumer protection laws under the United States Code Title 15 Chapter 41 I DEMAND THAT THEY DELETE THE ACCOUNTS THAT I HAVE LISTED ON MY LETTER OR I WILL BE SEEKING REMEDY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: TX

Complaint narrative:
On XX/XX/XXXX I received an alert on my XXXX report that I had a new collection account I was very disturbed by this news and immediately opened up my credit report to see what was going on. I see a collection posted from a company called Prince Parker stating I owed a debt I have never heard or done any business with company. Furthermore on my report it stated I opened the account with them XX/XX/2021. So I was really confused this is the first time i hear about this company when they put the negative on my report and then for them to have I opened the account with them in XXXX this is inaccurate not validated information being reported to my credit. I didn't receive any letter in the mail stating I owe them anything or any written letter given me the opportunity to dispute a debt. This is unfair debt practice to place something on a persons credit without having one conversation with them or sending any notification by mail just placing a collection my account without verifying anything. I disputed the account and requested validation and today I received a payment coupon to make a payment. Not a welcome letter introducing themselves or explaining where they come from or any reference stating I have a right to dispute just a payment coupon saying please submit payment. Can you please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have transferred an amount of {$3000.00} to a phone number which is my friend 's phone number and he is no longer using it. It is his old phone number and in error funds were transferred to an older phone number. This transaction is done using XXXX XXXX Bank Of America app. I immediately reported the issue to the bank. But the phone number is already taken by some other person and that person is also using XXXX. So the funds were immediately transferred. I have filed a claim with the bank but they have not done anything. They wanted me to settle this outside the bank. I have spoken to the other party to whom I have transferred funds as I have the phone number and they are willing to transfer the funds to the bank and not to me as they are seeing many frauds happening these days.

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