vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 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: RI

Complaint narrative:
In accordance with the fair credit act this account violated my rights XXXX  # XXXX 15 U.S.C section 1681 section 602 states i have the right to privacy also states a consumer and reporting agency can not furnish an account without written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
We can not get Suntrust or Truist to remove PMI from our loan. It has been over a year at this point. This is the third CFPB complaint we have tried to file and they always say they'll work with us, call once, and then stop. They need to remove the {$170.00} PMI payment as our home is worth almost twice what we owe now. We have sent in checks TWICE for the {$100.00} cost for the broker 's opinion service they say we need, but they are not cashing the checks, and they do not continue to call or respond when we try to figure out why they aren't cashing them or what the next steps are. This is intentional. We have called many many times, used the chat, used secure messaging, and gone in person- all many times. We do exactly what they say, and then the next person we talk to laughs about it and says " oh we don't do it that way '' or " oh that was the wrong number '' or " we never even look at those secure messages ''. This needs punitive damages. We can not force them to work with us - the next step is to just stop paying that amount, and then they'll say it's the principal we aren't paying instead of that fee. We want this refunded all the way back to last year with interest. It's been more than 12 months of fighting with this company and we have done everything they have asked us to, times a dozen. The ONLY thing that gets them to respond to us is when we file a CFPB complaint. We have no other choice.

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 2022-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I added {$32.00} to my prepaid visa card that was issued to me by Crypto.com and they immediately " blocked '' me access from the funds and the card. I've reached out to them and they are demanding I take a selfie while holding my primary card from my main financial institution. 
There wasn't an issue with adding funds to the prepaid card previously and there wasn't an issue with buying {$100.00} worth of XXXX XXXX from Crypto.com and now they want me to send pictures of myself and pictures of my credit & debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
Roundpoint Mortgage staff made a mistake to my mortgage for a year. They purchased two home insurance policies for me. One was from XXXX XXXX XXXX represented by XXXX XXXX ; the other one was from XXXX represented by XXXX under XXXX who reached out to me through Roundpoint. 

I had home insurance with XXXX XXXX during the period of XXXX. On XX/XX/XXXX, after reviewing the XXXX insurance policy emailed to me by Roundpoint & XXXX, I replied that Ill renew my home insurance with XXXX. ( Please see the 1st attached PDF file of this email tread ) I also called the office of XXXX XXXX to cancel my policy with XXXX XXXX. They asked me to send a written statement by email. So I did. On XX/XX/2021, I submitted a written cancellation request when the new XXXX XXXX XXXX XXXX reached out to me. I didnt answer all the sales questions and traps because that was what they had been doing to me already for a few weeks. ( Please see the 2nd attached PDF file of this email thread ). It was clear that my written request was received by the Client Manager at XXXX XXXX. 

However, after I submitted my requests for cancelation, on XX/XX/2021, Massachusetts Property still sent out a bill of {$1900.00} to Roundpoint for the coming term of XXXX. To make the situation even worse, Roundpoint paid this bill without sending me any notice. A few days later, on XX/XX/2021, Roundpoint purchased another insurance for me from XXXX and noticed that I had new home insurance with XXXX. From then on, all I could see was that I only had one insurance company with XXXX. However, I noticed the increased monthly payments and finally found out I had two insurance policies. Unfortunately, this mistake had been with my mortgage for a year. 

Regardless of all the stresses and worries, I hereby request the return of {$1900.00} to me. I would be very appreciative for all the help from your customer service professionals. Thank you!

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 2022-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have called XXXX numerous times in XXXX XXXX XXXX XXXX XXXX and XXXX and now its XXXX I sent them a certified receipt requested return receipt requested with my complaint one dollar delinquency reported to all three of the following XXXX XXXX reporting agencies also I have collateral damages from this lowered my beacon score my credit score of my FICO score XXXX points however I went to apply for a loan this week for a new car much higher rate of interest because theyre showing the account is delinquent one dollar which was paid in resolved calls agreed to delete it still remains on the Credit Bural report and no response from them for six months even given them a certified receipt

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 2022-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent my statement to CEO XXXX XXXX of the Bank of America Corporation ( BAC ) with facts and documents supporting credit card fraud perpetrated by individuals ' unauthorized use. CEO did not respond to my statement to date. 
Due to ongoing renovation, I only asked my son to buy items we need from XXXX XXXX and XXXX. I never authorized anyone else to use my card. From XX/XX/XXXX, my son was trying to buy a table but could not. On XX/XX/XXXX, I went in person to meet with local BAC staff. They told me that my card was blocked due to a suspicious transaction for {$180.00}. I told them that I would ask my son and call them back. On the same day I called them. No one was there. I tried on XX/XX/XXXX and XX/XX/XXXX and there was no one to talk to. On XX/XX/XXXX, I reported the fraudulent charges to BAC staff by dates and amounts. They asked me not to pay the charges. On XX/XX/XXXX, I noticed a balance due of {$3600.00} on my card. I reported more fraudulent charges to BAC staff. I asked them to cancel my card and not to issue any BAC card because of the aggravation it caused. On XX/XX/XXXX, a new credit card was generated by BAC without my knowledge or consent. On XX/XX/XXXX, BAC reposted the fraudulent charges to the new card. I never asked BAC for a new card and I never received it. I have been a victim of identity theft and the police are aware of that. When I showed them the BAC documents I received, they indicated that BAC should resolve the problems they created. When I asked them to investigate, they asked me to come back when BAC identified the perpetrators of identity theft. Local BAC staff were aware of my identity theft and the temporary lifting of the security freeze from the three major credit bureaus to enable them to process BAC credit card which I received in XXXX, XXXX. BAC never sent me the identity of the perpetrators of fraud. Instead, they reported me as delinquent to 3 major credit bureaus and one in XXXX, XXXX, to ruin my credit history for no fault of me. I always paid BAC the charges incurred and they continue to charge interest and penalties on their new card. I am not liable for fraudulent charges. I sent them my driver 's license, utility bill, etc. They never responded.

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 2022-04-17 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 convergent account XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I consumer XXXX XXXX have attempted to have personal information and fraudulent inquires removed from my credit report. Experian continues to report fraudulent inquiries and incorrect personal information on my credit report with no proof of investigation. I am aware that as a consumer I have the right to have these items deleted and blocked from my credit report. Not only are my rights being violated but my character is also being defamed.

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 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
He said hes from a collection agency and said i owe some debt, he basically put interest in all my assent from my car payment, my mortgage my utilities. Basically everything I own. Now I found out hes been going into my bank account and withdrawing large sums of money. Taking out loans and all of my direct deposits from my irs refunds. And taking out escrows from my house trying to put my mortgage into default with use of authority and extortions.

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 2022-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NV

Complaint narrative:
Homepoint Financial corp is unwilling to pay my insurance through escrow. My insurance is about to lapsebecause they can't do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: RI

Complaint narrative:
Galaxy international purchasing is saying that Iowa that I have no idea about

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: PA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-04-17 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: TX

Complaint narrative:
Equifax has failed to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: CA

Complaint narrative:
In accordance with the Fair credit Act XXXX Account # XXXX h

as 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 n
ot furnish a account without my written instructions. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: CA

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

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

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

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-04-17 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: NY

Complaint narrative:
I wrote to ll three credit reporting agencies for the removal of unauthorized credit inquiries on my credit report. My latest credit report shows 4 credit inquiries that I did not authorize and/or an unauthorized duplicate inquiry. Below are the disputed the inquiries and I ask for their removal from my credit report. 
Creditor Date Comment XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XX/XX/XXXX duplicate inquiry ( unauthorized ) XXXX XXXX XX/XX/XXXX did not authorize XXXX XX/XX/XXXX did not authorize My letter was sent over a month ago yet these items still apprear on my report. I need your assistance to get these items removed.

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 2022-04-17 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Bankruptcy XXXX  XXXX, US BKPT CT XXXX XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
These inquiries are not mine... .XXXX XXXX, ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX has failed to respond

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
He said hes from a collection agency and said i owe some debt, he basically put interest in all my assent from my car payment, my mortgage my utilities. Basically everything I own. Now I found out hes been going into my bank account and withdrawing large sums of money. Taking out loans and all of my direct deposits from my irs refunds. And taking out escrows from my house trying to put my mortgage into default with use of authority and extortions.

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 2022-04-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I was repeatedly put on administrative forbeance in order to have my loan interest accumulate. And my online account stated completely different information. It's fraudulent and unethical. My original loan amount was {$27000.00}. I allegedly owe {$41000.00} according to my loan amount. There is a class action settlement for the loans that we're affected during the time that my loan was with Navient. This reporting of fraudulent activity is against the law and is negatively affecting my debt to income ratio because of the unlawful actions taken on my loan. My loan is also reflecting a {$16000.00} Pell Grant that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: TX

Complaint narrative:
Equifax has yet to respond

Company response to consumer: Closed with explanation