vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I submitted an application with my bank Bank of American on XX/XX/2022 and on XX/XX/XXXX after not hearing from BoA and submitting all requested information, I reached out to the leading team. I was told by the rep that they were backlogged and that unlike what was advertised on thier website-the time frame for review of applications was not 7-10 business days but 6 weeks, that it was 8 weeks for a processor to be assigned and to review the application and then 12-16 weeks to close. If this has been told to me or disclosed on the application for credit-I would not have applied for a Home Equity Line of credit with BoA. I am looking to make renovation to my home in the next 30 days and this timeline does not fit into my plans.

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have XXXX unauthorized hard inquires on my credit report. I contacted Transunion filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called XXXX lenders like they asked. Please removed these inquries

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
We were denied an important XXXX bond because of all the errors on our XXXX Business Report. We have since been denied multiple credit cards and vender agreements. I submitted XXXX disputes at this point. XXXX has been corrected after 5 months, only to be incorrect yet again 1 month later. Our company name is XXXX XXXX XXXX XXXX. 

Errors on Report- XXXXBusiness secondary address XXXX. Show our business as a full-service restaurant, which we are not and have never been ( corrected ) Now it states we are a Equipment rental facility & Commercial And Industrial Machinery And Equipment Rental. Our SIC codes are changed and new ones are added constantly this is the XXXX changes this past year. We are a construction excavating company XXXX. Showing XXXX open liens that have been closed for over a year, i submitted court documents showing the leins are satisfied and they refused to remove them XXXX. XXXX Credit Cards with high balances when we have only EVER had XXXX cards. I disputed this they refused to remove it or give me more information We only get denied if the company uses experion to check our credit, and it is seriously impacting our busines. I have Lein Satisfaction letters, old credit reports and all previous disputes.

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is the third time I have contacted EXPERIAN and they have failed to delete the disputed accounts EXPERIAN would not, could not, and did not verify. I have produced more than enough paperwork i.e, Enclosed is a color copy of my drivers license, social security card, VA identification & Passport ; XXXX XXXX incident report ; Personal Identity theft form, FTC Identity theft report, a police document confirming the perpetrator was arrested, and a certified court document confirming what the police document stated, to prove that the following accounts are not mine and the culprit is now incarcerated. The aforementioned supporting documentation to my identity theft claim which is included in this packet is more than enough information to immediately delete all accounts listed, especially because EXPERIAN has failed to provide to me, as I have to them any supporting documentation to the contrary. The creditors are basing the accounts being legitimately mine on circumstantial evidence, no physical proof has been provided, ever. 

Based on the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that it's already been 2 months, They have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show their blatant disregard for Federal Law. 

The Federal case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all EXPERIAN has been doing for the past several months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).

I also asked EXPERIAN to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified, physically. I request that you do this immediately, which I am sure you are already aware of.

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2022-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out on several occasions to XXXX because the website they offer for a monthly fee tells me that I cant see my most recent scores from XXXX or Transunion. I have followed the prompt and reached out to both XXXX and Transunion to fix the supposed issue of them having information that doesn't match that of XXXX. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the XXXX nor the Transunion score or report sine XXXX of 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 2022-07-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out on several occasions to XXXX because the website they offer for a monthly fee tells me that I cant see my most recent scores from Equifax or XXXX. I have followed the prompt and reached out to both Equifax and XXXX to fix the supposed issue of them having information that doesn't match that of XXXX. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the Equifax nor the XXXX score or report sine XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I initiated a 10 year fixed XXXX. with BB & T. My act. was recently sold to Truist. For the final month of the loan Truist sent an incomprehensible statement with no payoff balance and inconsistencies all over. So you have to call them. I had an agent who couldn't communicate, couldn't understand what I needed, could only wander across some prepared flow sheet to give me answers to question I never asked. XXXX days later I tried again. Was told I had to request a " payoff statement '' which takes 7 days to arrive, which compromises my timely payment, and I was cautioned that the amount provided over the phone call was " not official '' until I get this payoff calculation 7 days from now via this letter, which would make it impossible to pay on time. Truist claims I can't just make my XXXX payment to the same entity and routing to which I have made every prior payment on this loan through the bill pay function of my credit union website. For this last payment specifically I was given special instructions : XXXX digit XXXX. and a XXXX act. numbers, new destination and new address where I was to send a check, along with a " mail code '' number -- XXXX -- whatever that is. Also, a " document cancellation fee '' was alluded to. Was this described in my mortgage with BB & T? A fee to make a last payment? What the XXXX? 3 hours spent on this so far and not at all sure the payment will meet Truist requirements.

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 2022-07-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On novemebr XXXX I purchased an item to be shipped by XXXX for {$470.00} using my chase credit card. I just found out the company went out of business today on XXXX XXXX and chase will not assist me with getting money back. Credit card companies have no liability in this country it appears

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Because I am a Citibank credit card customer, they solicited me to open a savings account. I opened this account on-line in XX/XX/2021. On XX/XX/2021, I responded to a request for information via fax. I deposited additional funds to the account several times over the last year until this month. At no time did I get ANY notification of any issues with the account - not any alerts, no letters, nothing on monthly statements. When I attempted to withdraw some money 3 weeks ago ( via an on-line transfer ) it was blocked. I have now called " customer service '' over 15 times and talked to over 50 individuals, many of the calls unintelligible. I discovered after the XXXX or XXXX call that Citibank put a hold on my account to prevent me from withdrawing ANY money in any way. I have now faxed documents 3 times and mailed documentation to an address I was given after my 7th call ( with delivery confirmation ). Initially I was told that " their system was down '' and they couldn't confirm document receipt. Now I am being told that my documents have been " rejected ''. Every time I get a different answer concerning who to talk to, what to submit and what will be sufficient to address this " hold ''. This has gone on for 4 weeks. MY MONEY IS BEING HELD HOSTAGE.

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 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
This is my 2nd dispute request, this final letter to your company will be my final attempt to resolve this with your company. If this is not corrected within 14 days, I will file a petition for a small claims case In the XXXX XXXX, XXXX XXXX, in XXXX XXXX XXXX XXXX TX for damages you have caused to me.I am disputing the following information that your company supplied to me upon request Consumer # XXXX Case # : XXXX The disputes are listed on the attached letter. Please note, that I am a victim of identity theft, and have provided information to your company showing that I am a victim of identity theft. Please delete the records I am disputing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
CFPB Case Number : XXXX Dear XXXX XXXX XXXX 
Thanks for your response to my inquiry. 
XXXX, please provide the following Signed agreement that I gave FNBO my lawful authority to furnish my information to the credit bureaus. If you are NOT able to provide proof, this is a violation of the Gramm Leach Bililey Financial protection Act ( 15 USC 6801 ) The penalty for this violation is up to 20 years in jail. And a hefty fine.

Signed agreement that FNBO gave me the opportunity to opt of credit reporting.. If you are NOT able to provide proof, this is a violation of the Gramm Leach Bililey Financial protection Act ( 15 USC 6802 ) The penalty for this violation is up to 20 years in jail. And a hefty fine.

The notice that was sent to me regarding FCRA 623 ( a ) ( 7 ) ( G ) ( i ), notice either before you furnish the negative information or within 30 days of furnishing it Regards 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 2022-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
I have received multiple calls by this company over the last week. Upon answering, I was told the reps name and that I was on a recorded line - and she asked for me by name. I refused to answer and instead asked for the company name. The rep would not answer me, never told me what company they were with, and asked me again if I was the person shes trying to reach. When I said I refused to answer anything if she wont tell me the companys name, the rep hung up. They have since attempted calling me three more times. 
When I called the number back, it greets with Phoenix Financial as the company, which is a debt collector. I have received one bill notice via physical mail from this company in the past, about 6 months ago ; but I have no record on the origination of the debt they are requesting to collect. When they sent the letter, it didnt specify where the initial debt came from. I feel as though this is a scam tactic to collect money that I dont actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
Opened new savings account online with NY Community Bank on XX/XX/XXXX funded with an initial ACH deposit of {$20000.00}. 

Subsequently on XX/XX/XXXX I deposited an additional {$20000.00} also via ACH. 

My bank paid the ACH 's on XX/XX/XXXX and XX/XX/XXXX, respectively. 

Subject bank placed a two week hold on all money in account in violation of Regulation CC. 

Further, also in violation of said Regulation, they failed to provide any notice of their intention to place an extended hold at any time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Carter-Young INC is harassing and using aggressive tactics to try and collect {$180.00}. I have never done business with this company, nor do I have an agreement or contract with this company to pay make a payment. I do NOT owe this company any money. they have impacted my credit negatively and need to be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
In XXXX of 2022, my home owners insurance policy ended with XXXX XXXX on my home that I had paid a yearly insurance protection policy for. XXXX XXXX did not send me a renewal notice about my policy coming to an end. Around XX/XX/XXXX, I received a letter from Rocket Mortgage that they did not have insurance on my home on file, and that I needed to buy some right away. They also stated that they purchased insurance for me that was Forced Insurance. The next day I purchased a new home owners insurance policy and notified Rocket Mortgage immediately about the new coverage. I was frustrated because I was charged an insane amount for the coverage. Reading over the Federal Regulations I was seeing that mortgage companies need to issue a letter and wait 45 days till purchasing insurance. I was not given any type of window. Please help clarify this for resolve this for me.

Company response to consumer: Closed with explanation