vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
The months of XXXX have been very rough. My XXXX payment feel behind. Upstart sent late fee and went to credit report which dropped me XXXX points when its not right as i explained my situation and they didnt want to hear it. I would love to have late fee removed from my report. I spoke to multiple customer service only one helped me apply for hardship said i would be approved was denied. 
I had XXXX  for 2 weeks. Still having issuesXXXX XXXX XXXX XXXX XXXX, had by check book stolen/fraud, and lost job. I feel behind on the loan payment. Explained my situation multiple times, applied for hardship ( was denied ). Customer service has been nothing but rude. I managed to take personal loan out. Set up autopayments so will never be late again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
I contacted each company individually and was told to contact the credit reporting companies directly.After my dispute I received mail indicating the inquiries where verified, they provided no explanation of verification/investigation process, no evidence of any signed documents or authorization form me approving these inquiries and provided no open accounts to the reference for any of the inquiries. 

XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX other than personal Inquiry date : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Inquiry date : XX/XX/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 2022-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
I created account on XXXX back in XXXX of XXXX with the intent to transfer {$350.00} to my attorney in XXXX. 

Today, XX/XX/XXXX, I finally submitted the transfer. 

Upon hitting the " send money '' button I got a transaction number, but before I had the chance to write it down, the website logged me out. I attempted to login, but was told that my password was incorrect. 

After attempting to login several times, I reached out to customer service via the chat. They told me that I should use another service as MoneyGram will no longer service me, implying that I was banned. They refused to provide any information on why I was banned. I requested a phone number to speak to a live person. They told me the same thing and asked that I file a complaint. 

I filed the complaint on MoneyGram website and got a case number. I am waiting for additional information, but I am not optimistic based on people 's stories I saw online. 

I am filing this complaint in the hopes that I can be given a reason of why I was banned and how I can get unbanned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern, My name is XXXX XXXX XXXX and i have a complaint with Experian. First of all i have one account that clearly reads never late and paid off, yet Experian say its a harmful account. Secondly, I am trying to fix everything, making payments etc. and my score went up. But every single time it goes up the next time i check it the score has dropped. This has gone on for way over a year. When i checked today it had dropped XXXX points. Something is wrong and if its me, fine i can take that but if its something they are doing i want retribution and a letter of apology. My cell number is XXXX. 

Thank you, 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 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XX/XX/2019 I have no idea. I was looking for a private loan. I did not know, someone deposit using a fraud check. Since I pay {$200.00} from that account the the private lender. Without knowing, the fraud check hit my account. The bank, Bank of America, just close my account until today. I need to take this off so I can open account. 

This bank did not work with me. I did not know the check, but they put in trouble. 
I am a small guy trying to make a living. Someone damage me by putting a fraud check Bank of America is doing this to me, I can not do business for XXXX  years. I lost a lot of income. 

Please contact bank of america and lift the this hold from check system.

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 2022-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: NY

Complaint narrative:
I have reviewed my consumer report and still find that unauthorized inquires are still being furnished on my report. I did not give written consent to Experian for these transactions to be furnished which is identity theft. I have complained about this multiple times.

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 2022-01-24 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: GA

Complaint narrative:
On XXXX, XXXX XXXX, 2022, I received an email purporting to be from Experian, notifying me that the email address / user name associated with my account had been changed. I did not initiate the change, and I did not recognize the new email address. 
I attempted to log on to www.experian.com, but my user name and password were not accepted. The email they sent invited me to click a link for their Membership Support desk to report the problem, but I did not want to click a link in an email that might itself be fraudulent. ( I did send an email to XXXX, but not via that link. ) I also called the number listed on their website, but was unable to get to the Fraud Dept. or past the automated menu at all. Finally, I found a membership customer support number and called that, and I spoke with a woman who asked questions to verify my identity, and who reestablished my correct email address / user name. I changed all the relevant passwords and placed a fraud alert on my account. 
However, in the hours since that time, I have received further suspicious emails purporting to be from Experian, and I have tried contacting their Fraud Dept. by phone over a dozen times, but I have been unable to reach anyone. It is exceptionally difficult to locate an option for freezing one 's credit on their website, and when I finally found and filled out such a request, it was denied. Ultimately, I tried several more calls ; their automated service hung up on me several times, said it was not possible to connect me to a representative or specialist a few times, and generally made it all but impossible to take control of or even report a possible urgent identity theft problem. 
By sheer persistence and by navigating the automated menu in a variety of ways, I finally heard an option to freeze my credit report with Experian, and I said yes. I was given a confirmation number, but I was also told they would send an email with the necessary PIN number for managing the freeze. I have not yet received that email! 
By contrast, I logged on to both XXXX 's and XXXX 's web sites, and I was easily able to place a freeze on my credit report ; I received immediate email confirmation of having done so. 
These companies have FAR too much control over our lives to be so lax, so inattentive, so unnavigable in the face of fraud and identity theft, which are some of the most pressing problems American consumers face. Experian should be censured, or better yet put out of business for practices like 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 non-monetary relief
Consumer complaint received 2022-01-24 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:
I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of 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 non-monetary relief
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received grant from SBA, my bank ( Citibank ) closed my account and took my money {$10000.00} since this past XXXX. They still have the money and they did not send a check of that amount. I need your help plz.

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 2022-01-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied Equifax with 2 pieces of additional and relevant information of which Equifax chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NE

Complaint narrative:
I have made several payments that instead of going to principal, have been applied to future mortgage payments. I am currently paid off until XX/XX/XXXX. I called on XX/XX/XXXX to fix this issue, and I called again on XX/XX/XXXX, and I called again on XX/XX/XXXX. I would like this money to be applied to my principal. 
Currently, I am being charged interest on money that Caliber Home Loans has, but refused to credit to my principal balance. 
According to my bank account, I should owe {$1100.00}, but current balance is {$2600.00}. Caliber Home Loans acknowledges this error, but hasn't done anything to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: MO

Complaint narrative:
On XX/XX/2021 I opened a checking account online with Axos Bank. On XX/XX/2021 I transferred {$2000.00} from my account at XXXX to Axos. On XX/XX/2021 I began a transfer of {$2000.00} from my account at XXXX and attempted to cancel this transaction on XX/XX/2021 but it went through to Axos. On XX/XX/2021 I closed the Axos account and asked to have the funds sent to my address on file with the bank. Instead they sent the funds back to XXXX and XXXX. At that time neither XXXX nor XXXX showed receipt of the funds. After numerous phone calls and emails between myself, Axos, XXXX and XXXX, Axos emailed saying they had contacted the Federal Reserve and were given trace numbers confirming the funds were transferred ( that email is attached ) .Vanguard was able to confirm the receipt of the funds with the Federal Reserve trace number but XXXX was not. I tried to contact the Federal Reserve but after going through several federal agencies including the Dept. of the Treasury, Bureau of Fiscal Services, I was told my only recourse was to file a complaint through this agency. I have asked Axos to find out what account the Federal Reserve deposited the funds into at XXXX but they did not respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I sent XXXX a copy of a letter that was sent to me by XXXX XXXX dated XX/XX/XXXX of XXXX showing that the obligation had been paid off as of XX/XX/XXXX I also submitted documentation to fifth third bank regarding this obligation being cared for through the insurance because the vehicle was totaled there was also gap coverage from the original creditor XXXX to cover the debt fifth third has me in XXXX saying that the account was overdrawn the account was not overdrawn fifth third did not pay out anything and continues to have me in XXXX for XXXX years and the matter has been resolved XXXX will not remove the accusations because fifth third says that it is Valid. Can not reach a representative at fifth third today XX/XX/XXXX have been transferred four times since XXXX XXXX this morning it is now XXXX XXXX and Im requesting assistance to get the matter resolved would like it removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. I checked my credit report and there is a medical debt listed on my report that does not belong to me. Thus far I have tried to dispute the debt to get removed from my credit report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I contacted the lender to get PMI cancelled as my XXXX ratio is below 80 %. 
XXXX10 days or so later I get a call back from someone telling me the investor ( XXXX XXXX ) is requires me to have the hose re-appraised before they will remove the PMI. Something about XXXX XXXX being a disaster area which is news to me. Nothing significant happened here in a year. 

I asked for documentation supporting this assertion and I was told they did not have to and would not provide any documentation. After an extremely unpleasant exchange ( The guy was rude and basically telling me I don't need to go back and re-read the agreement I'm telling you this is how it is ) the call ends and my issue with them is closed. I've got no way to call the person I spoke to back or reach them either. 

I reached out to XXXX XXXX  and was directed to the servicing guidelines for cancelling PMI. Document XXXX Link : XXXX XXXX XXXX  # XXXX It doesn't seem to mention any of the language the representative from the servicer asserted over the phone. ie; there was a natural disaster here a year ago and they need to re-appraised before they can remove PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: MD

Complaint narrative:
I submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied XXXX with 2 pieces of additional and relevant information of which XXXX chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.

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 2022-01-24 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: MD

Complaint narrative:
I submitted numerous investigation request of an erroneous and inaccurate bankruptcy case # XXXX appearing on my credit report. The companies response that they don't have enough identifying information on me is just bogus and a stall tactic. I've provided more that adequate information for these companies to delete this information from my credit file that is causing me a hardship. 

I supplied XXXX with 2 pieces of additional and relevant information of which XXXX chose to ignore. It was a letter from the Bankruptcy court and one from XXXX ( please see attached ) This inaccurate information is hurting my credit and future job opportunities. This inaccurate information needs to be deleted immediately.

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 2022-01-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reviewed my consumer report and find that there is a late payment being reported. Due to the law stating the exclusions to a consumer report, transactions and experiences between the consumer and the person making the report should not be furnished this should not be reporting in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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