vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WESTERN ALLIANCE BANCORPORATION
State: VA

Complaint narrative:
I have asked XXXX  to use my insurance claim money payoff the principal amount and recast the loan for the remainder amount. XXXX has sent me the required paperwork and I have paid the {$300.00} dollar recast fee on XX/XX/XXXX. I was told that the recast will happen within 60 days and I have followed up the bank multiple times and was assured the case was being processed. 

I called XXXX XX/XX/XXXX and the agents were not able to provide the status and I am dissatisfied that the process is taking too long and I end up paying $ XXXX every month in the form of interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I was originally sent a letter from Kimball Tirey & St John LLP on XX/XX/XXXX for the amount of {$1000.00} from a previous apartment I rented at. I contacted the collector and requested an invoice for the charges as they were from XXXX and I wanted an itemized list to verify everything. When I got the invoice from the original apartment that I owed the debt to, the current due balance was listed as, {$750.00}, a completely different amount. When contacting the collector again and letting them know this was the case, they gave me my login for there website where I can make payments and told me that they had just spoken to the apartment and they were adamant on the total. However the amount on the collector website was completely different at {$1100.00}. When calling back the debt collector they said that they did not know what to tell me, that was the amount. I felt very uneasy about the way they went about it and I called the apartment where the original debt was from, they told me that they no longer had any file on my case because it was so long ago and have not spoken to the collector. I tried explaining to the collector that this was very confusing and I was just trying to understand why there are 3 separate amounts that are just increasing by the week, and they had no regard. They said they would send me another invoice for the charges and that I should receive the invoice in 2 business days but I need to make a payment by this Friday or this was going to get reported and my credit score would drop XXXX points. I just felt very uneasy about this whole encounter and I felt that I needed to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. These agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. FERPA- Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school, the school never notified parents nor student of their rights annually. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
After I reviewed my credit profile I seen hard inquiries that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
After I reviewed my credit profile I seen hard inquiries that do not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account : BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-01-30 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: FL

Complaint narrative:
I opened up a checking account with Bank of America XX/XX/year>. A regular checking account for my employment checks to be direct deposited into. I got approved for the account. Received an email that my debit card was on the way XX/XX/year>. Same day that I received an email that my card was on the way they typed of the decision letter to close my checking and savings account per their decision. I'm just trying to get my life back on track with having an actual bank account and do right by it this time. I always ask if my past will affect the possibility of my present and future with banking and I am always told no. I will be in the clear. It's been years. Any time that I call I just get the run around with an indefinite answer. It's always they can't specifically tell me its the choice of the company. I know if I was a white woman trying to get their life back on track it would be no issue for the bank to give a second chance but since I am an XXXX XXXX  woman its a lot harder for that second chance. I do want the bank account to remain open so I can create the history I need to be able to move into my apartment and to be able to get credit line to create credit. I've called and have been passed around every department as they do every time they don't want to give a correct answer or they'll just figure I'll hang up and go about my day. I'm fighting to keep the account to established myself from the ground up. The debit card has reached my home and if they were going to closed the account I believed they shouldn't have allowed me to open it up nor should have they approved the application.

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Froze My Account saying it was flagged, than when I contacted them they told me to provide information stating that funds that were wired to me was in a memo for someone else, when the memo had the company who sent me the funds for my Business, I contacted the senders they spoke with the bank, when the bank had told me to have them call than the Bank tells them they can not speak to them unless I signed a paper stating 3rd party consent, they still didnt fix or solve the problem or hold This was a XXXX XXXX XXXX XXXX  . They are holding my XXXX XXXX XXXX XXXX XXXX XXXX  {$50000.00} And my Checking Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Velocity Investments has continuously harassed with phone calls and flooded my mailbox with letters from different law firms. They have yet to provide proper documentation for proof of agreement with my wet signature or contractual agreement with this agency. The constant harassment has caused great stress to my health.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
For starters I pay my home loan through my banks autopayment system. 
The catalyst to the problem I am facing today was due to us shopping around for new bundled insurance. Thought this would be an easy process. 
Insurance company ended up sending me what was in the escrow account. So I held onto it to sort out with PHH Mortgage. 

PHH Mortgage sent me a letter stating we didn't have insurance and that they were going to penalize us for not having insurance. After submitting multiple copies of insurance we were able to get that resolved. Keep in mind my Auto Payments are still being sent at the first or prior due to weekend or holidays. 

I made a mortgage payment on XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX mortgage payment was for XXXX. 
I get a letter stating the the escrow is short and I need to make a payment. I call on XX/XX/XXXX and provide a payment to ensure everything is correct. 

Now they are stating that I have not paid my XXXX mortgage payment, when I did on XX/XX/XXXX. 
They are stating there is nothing they can do to resolve this. I have the feeling I have to make an extra mortgage payment + Late charges to get this rectified when I shouldn't have to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-01-30 00:00:00
Product: Credit reporting 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:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority. Please check 100 percent accurate, true correct and remove these fraudulent accounts ASAP. see attachments

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 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: DC

Complaint narrative:
Dear Department of Education, I am writing to request my pre-conversion history for my student loans, which are older than XXXX XXXX XXXX. I have been trying to have my loans forgiven per the XXXX XXXX forgiveness adjustment announced recent. To process this request, my loan lender needs my pre-conversion history before they can process my application. Most notably the loans that are eligible are I understand that it may be difficult to provide pre-conversion history for older loans, but this is necessary to have my loans reviewed for loan forgiveness. Please let me know what information is needed from me if any. Thank you for your time and attention to this matter. Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6300.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$2900.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$1600.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX LOAN DATE XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6500.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$5100.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$6700.00} VIEW LOAN DETAILS Subsidized Loan XXXX XXXX  LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$3800.00} VIEW LOAN DETAILS Unsubsidized Loan XXXX XXXX LOAN DATE XX/XX/XXXX LOAN STATUS In Repayment REPAYMENT PLAN Saving on a Valuable Education Plan ( XXXX ) INTEREST RATE 7.76 % TOTAL BALANCE {$7000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
THIS COMPANY CONTINUES TO REPORT INACCURACIES UNDER THE FCRA UNDER 15 USC 1681 WHICH STATES : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I AM REQUESTING ALL RECORDS THAT SUPPORTS YOU REPORTING THESE INACCURACIES ON MY REPORT.

I NEED EVIDENCE OR PROOF THAT I HAVE LIVED AT THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NC XXXX THEY ARE ALSO REPORTING 2 DIFFERENT SSN ON MY REPORT THIS IS IDENTITY THEFT.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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