vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 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: TX

Complaint narrative:
On XX/XX/2019 I sent a final letter to the Credit Bureau discussing an issue with my consumer credit report. I explained that I have sent multiple letters requesting the following : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. " To date, I have not received any verification of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved.

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. The account number is not shown on the credit file nor have a received any verifiable documentation to show that this is an account that I owe.

I received a letter on XX/XX/2019 stating that they have verified this account and will not be investigating the item again.

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.

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 2019-12-26 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: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

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 2019-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
Ditech has denied my request to remove the PMI from my loan. This has been an ongoing struggle with them. In XX/XX/XXXX we reqeusted to have PMI removed from our loan and when they appraised our house, the appraisal came in at {$330000.00} which was 75.79 % LTV. Just short of the percentage where it could be removed.

In XX/XX/XXXX, we made the request to have PMI removed from our loan again. We have made our payments on time and the values of the homes in our area have gone up in the last two years. Ditech again had someone come out to do an appraisal. When that appraisal was completed, we were never sent a copy of it and we were told there was " a problem '' with the appraisal. Ditech said a second appraisal needed to be done. A second appraisal was done and the value of our home was set at {$310000.00} - {$19000.00} less than what it was appraised at two years ago. As soon as this appraisal came in, Ditech denied our request to remove our PMI because the percentage of LTV was 76.74 % - just short of the percentage where it could be removed.
After multiple requests, we have never been given a copy of the original appraisal and I believe that is because it appraised our home much higher than {$330000.00} and Ditech wold have needed to remove our PMI. After looking at reviews of the second appraiser online, there are frequent references to how low the appraiser tends to skew home values and the comps she used for our home 's value were far outside of our neighborhood. She made the claim that there were not enough recent sales in our neighborhood to give a good reference so she went very far outside of our neighborhood for comps. It is obvious that she cherry-picked comps that gave Ditech the number they wanted from her so they could deny our request.

I am now having a third independent appraisal done on my home by an appraiser I trust. Ditech is obviously trying to make sure I can not remove my PMI by replacing appraisals that do not benefit them with appraisals that do benefit them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Premier Student Loan Center
State: IL

Complaint narrative:
I was contacted by Premiere Student Loan on XX/XX/2018 & started a forgiveness plan with them. They told me my student loans would be lowered to {$2400.00}, but I had to pay them 6 monthly payments of {$190.00} and then it would drop to $ XXXX/month and I could not pay more than this.

I tried reaching out with questions regarding my student loans & interest & spoke with a FSA representative & they informed me that I was paying $ XXXX/month for their services that I wasnt actually received & that my student loans still reflected {$10000.00} plus interest.

I was later notified by the Bureau of Financial & Consumer Protection that there was a lawsuit against Premiere Student Loan.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-26 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was charged XXXX on my bank of America visa credit card on XX/XX/18 to a vendor that was XXXX in XXXX, VA. I originally called bank of America to dispute the charge. They initially took the charge away, but then the charge showed up again a few days later. When I called BOA, they said that it was indicated the card was chip read and used so I was accountable. I fought this and reopened the case about 5-8 times over the next 6 months. I filed a police report, told them I never lost my card and even showed them that I was at work at the time of the transaction. I got so frustrated that I had to give it a rest, but would like to file a complaint. BOA could never tell me exactly who charged the card ( the vendor ). All they could tell me was that it was for janitorial services and I am 100 % sure I did not have or authorize anyone to provide any services for that large amount of money. How can I be accountable for a charge that BOA can't even tell me who made it? Please 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 monetary relief
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

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 2019-12-26 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:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
i called transunion on different occasions report that thay are reporting inaccurate information on my behalf told they thay are in violation of my right and inform of the violation that i will be take precautionary measures with fines

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 2019-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My PayPal account had worked fine sense XX/XX/2018, with my first transaction with PayPal was on XX/XX/2018. For the last 19 months I have had normal transactions between friends, certain businesses, XXXX, etc. During this time I did not have one complaint or charge back, so it came as a huge surprise to me when my account was permanently closed and funds being withheld immediately after a friend transferred {$720.00} to me. Before this transfer I had checked my account and everything appeared to be normal, no notifications from Paypal of any kind. After the transfer, Paypal said their system flag my account as a security risk, with no further explanation as to why their system automatically did this. Their algorithm is unfair and I havent been able to get a human to override the ban, therefor they are holding my funds for 180 days. Keep in mind this transfer to my account was not so to a sale of any kind, but rather a friend paying me back money that was owed to me so for Paypal to put a hold on these funds is wrong and I believe they are doing this to thousands of their customers, so they can make interest off these individuals to make up for their recent divorce from XXXX. XXXX is taking on a 2nd money transfer service which will arguably cut into PayPals profit margins. Ive researched online to see if this was happening to anyone else and he was shocked to learn how many people have the same issue, where they were flagged for doing nothing wrong. The customers that did wait the 180 days they got their money back, did not receive a penny more which shows that Paypal did make money off of those individuals for 180 days. It is not right, and their buyer guarantee policy of 180 days is what they are claiming is their reasoning to hold these funds, but in this case there is no buyer so why they are holding my money is what Im complaining about. I want them to restore my access to my account so I can retrieve all of my money, and I will never be using them again so they can close my account if they wish after that. I need this money yesterday, and it has cost me hundreds of dollars in late fees by not being able to access it and its getting more costly each day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
ally financial ran my credit report without my authorization

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 2019-12-26 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: TX

Complaint narrative:
On XX/XX/2019 I sent a final letter to the Credit Bureaus discussing an issue with my consumer credit report. I explained that I have sent multiple letters regarding the furnishing of my personal credit file. In the letter, I stated the following : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I also requested verification via a signed application or contract with said companies and have not received anything to verify that I authorized the release of my personal credit file to these companies. To date, I have not received any verification documentation of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved. 

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. 

I received a letter on XX/XX/2019 stating that they have verified the inquiries. Due to the number of inquiries, I am attaching the documentation sent to each company regarding the request for deletion. 

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.

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 2019-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I get calls on my cell phone before XXXX XXXX  on weekends. I also get calls throughout the day at my place of work, 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 2019-12-26 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: CarMax, Inc.
State: NC

Complaint narrative:
I have been having several problems with Carmax Auto Finance, they are currently reporting a fraudulent address attached to my name and social in which I have never lived. They have no authentication of this address being associated with me, but have merged my information with someone with a similar name and date of birth as mine. I was contacted by this individual to stop using her address as it was never done by me this was all done by Carmax Auto Finance and they have forwarded this information to the credit bureaus which is causing an issue on both sides.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I have filed complaints and gotten responses from Credit Protections stating that they requested that this account be removed from my report and it usually takes 30-45 days for the bureaus to delete. Yet it has been well past this amount of time so I contacted XXXX  today and spoke with them and they informed me that the last notification they received from Credit Protections was on XX/XX/2019 not on XX/XX/2019 nor XX/XX/2019 like they told me to have this collection account removed. I do not owe this debt I have spoken with XXXX XXXX and also with Credit Protections and neither of them are rectifying this situation they are all just saying that they have requested for it to be removed. I am being told lies and this is a recent collection that is hurting my score and again I DO NOT OWE THIS DEBT AT ALL SO REMOVE IT PLEASE! At least actually submit the request to the bureaus to remove it like you said and attach documentation to this complaint so that I can have it for my records this is ridiculous. Somebody do something please! Stop telling me one thing but yet this account is still on my 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 explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage company Mr. Cooper continues to call and send third party vendors to post notices on my doors. I have sent a cease and desist notice to them, which they have acknowledged receiving. But in their response they stated they will not cease and desist this harassment of sending third party vendors to my home and post notices of my door for me to contact Mr. Cooper because they are in there rights and quoted my Note section ( 7 ) and my Deed section ( 9 ). I have read both sections and in either section does it state that I consented to have Mr. Cooper contract third party vendors to trespass on my property and continue to leave notices that just state to please contact Mr. Cooper Mortgage taped to my front door throughout the night and early morning in their personal vehicles. Mr. Cooper is aware that the property is owner occupied and well taken care of. Mr. Cooper stated in their cease and desist response letter that the loan is one payment past due and yet it warrants this constant intrusion. This type of non- required communication by Mr. Cooper through their third party vendors is an example of a non-required written correspondence. These notices by strangers pose a safety hazard for me and my children. But this is Mr. Coper method to continue to bring embarrassment to my household and my family. Mr. Cooper and their associates are fully aware that I am sending in payments constantly to become current and responding to all their communication by certified mail. Instead Mr. Cooper has chosen to dismiss my cease and desist request and refuse to comply with all future communication being sent through the mail for privacy and safety reasons. I have also requested a Foreclosure prevention meeting in early XXXX and I still have not received a response or a scheduled meeting date and time for this letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: NY

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX  OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: AL

Complaint narrative:
XXXX XXXX XXXX. The balance of {$44000.00} is incorrect. The balance on this account is only {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
on XX/XX/2019 XXXX removed what was agreed to be incorrect information they removed Ally Financial for {$8600.00} and as of XXXX they added it back to the credit file and my credit score has fell XXXX points since then this information is incorrect and needs to be corrected.

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