vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
a client in XXXX of ours for over 12 years had someone depoist XXXX asked us to make a bank transfer to XXXX for {$420000.00} as he owed our company also over {$9000.00} we waited 10 days to make the bank transfer then 7 weeks later our bank took the {$49000.00} and gve back toi the person that depoist it to our account without letting our comany know or given us a chance to argue that money should not be given back since the bank gave the money back we also put a claim to ask our bank to return the bank transfer we made to XXXX but they never got the money we ssent back so our company is out {$49000.00} whiihc has hurt our company and the bank has nto tried to help bank of america ouor accoutn XXXX new york branch

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 2023-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Last year I was awarded 100 % XXXX from the VA. Because of this, I no longer pay property taxes in Texas on my homestead property. In early XXXX I was notified by XXXX XXXX that my mortgage servicer had requested this information and had received it. In early XXXX I notified Freedom Mortgage that I had changed insurance companies and that bill lowered from $ XXXX to $ XXXX and I was seeking for the mortgage/escrow to be adjusted appropriately. 

I sent another message a week later ( after no response ). Last week they notified me that my payment would be adjusted in XXXX ( it has been ). In XXXX, the balance of my escrow was {$4800.00}. New insurance was paid for ( - {$1300.00} ) so the balance should have been {$3500.00} of which I requested be refunded. 

It is now XXXX and the escrow account shows that it is low, there is no disbursement note on the account, and I have not received return of my funds. Company has not responded to my email as of this time.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
As part of the XXXX XXXX XXXX XXXX Credit Card program, if you spend {$1200.00} in a calendar year, you are eligible for Platinum rewards in a tiered based reward system. I spent ( consciously ) to the {$1200.00} threshold within the calendar year, but was not rewarded with Platinum status. 

I called the customer service department in XXXX after receiving my XXXX statement which did not reflect the Platinum status I earned. The customer service rep said she would open a case and get back to me. I have not heard back, and as of XX/XX/XXXX my rewards status has not been updated. 

I have statements which prove I met the spend threshold in XXXX, and I would like to be upgraded as required per advertising. Otherwise, this is a XXXX violation.

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 2023-03-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that are listed on my credit report. I am particularly concerned about the accounts that are listed as late payment, charge off, and collection. The following are the accounts that I am disputing : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account MEDICAL XXXX Collection Account 04 XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX. XXXX Charge Off Account I do not believe that these accounts are accurate and request that you investigate the matter thoroughly. I have included a copy of my credit report with this letter for your reference. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. I am invoking this right to ensure that my credit report reflects an accurate and up-to-date picture of my credit history. 

Please note that if the investigation determines that any of the above accounts are not accurate, complete, or verifiable, I request that they be removed from my credit report immediately. In addition, I request that you provide me with written confirmation of the removal. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that are listed on my credit report. I am particularly concerned about the accounts that are listed as late payment, charge off, and collection. The following are the accounts that I am disputing : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account MEDICAL XXXX Collection Account 04 XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX. XXXX Charge Off Account I do not believe that these accounts are accurate and request that you investigate the matter thoroughly. I have included a copy of my credit report with this letter for your reference. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. I am invoking this right to ensure that my credit report reflects an accurate and up-to-date picture of my credit history. 

Please note that if the investigation determines that any of the above accounts are not accurate, complete, or verifiable, I request that they be removed from my credit report immediately. In addition, I request that you provide me with written confirmation of the removal. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX, I opened a checking account with Citibank ( acct. number XXXX ) based on an offer of a cash payment for a certain level of deposit into a new account. The offer was prominent on their website encouraging the opening of the account ; the offer is still widely displayed on their website today. The required deposit of {$75000.00} was made for a {$1000.00} cash bonus. On XX/XX/XXXX, I contacted Citibank and was told be an associate that the required amount of deposit was made in the required time frame for the offer, that the correct " code '' had been entered into their system, and that the payment should have been made. The associate opened an inquiry, XXXX. On XX/XX/XXXX I received notice that there is not such a promotion at that time, even with the same promotion being offered today! Classic bait and switch. I am targeting that the account be closed at the end 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 monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I secured an assumable mortgage in XXXX. Wells Fargo was selected by the mortgagor to service that mortgage. In XXXX, I endeavored to assume that mortgage as an individual, rather than as a married couple, as part of a divorce agreement. Wells Fargo required that I have a Debt to Income Ratio DTI ) of no less than 43 %, As I didn't have sufficient income, I secured two separate non-occupying co-borrower to submit the assumption application along with me. Both times, the co-borrowers were rejected -- once in writing and once verbally, because no matter their income ( both had annual incomes in excess of {$250000.00} per year ), I still had to satisfy the DTI of 43 %. The income of the co-borrowers was not considered in either of the two applications I filed. As a result, I was left with no choice but to terminate the mortgage. 

I believe the CFPB should investigate the DTIs required by mortgage servicers, as they effectively make any older or retired worker incapable of taking advantage of an assumable loan that they'd secured at a previous time. As a result of the unreasonably high DTI and the servicers ' refusal to consider the income of a non-occupying co-borrower, the loans are no longer truly assumable. 

Under XXXX XXXX rules, had I sought to secure a refinanced mortgage, the non-occupying co-borrowers ' income would have been sufficient for me to meet the DTI requirement. However, as a loan assumption, apparently the mortgage servicer was not required to incorporate the non-occupying co-borrowers ' income, thus effectively negating the assumability of that mortgage.

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 2023-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally has not yet gottem back to me they changed the payment due from over XXXX down to {$440.00} in late charges which is unfounded, I I find it disgusting that you allow them to drag thier heals and possibly reporting late payments that are errors on thier part

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex never sent the notice or explanation of why I reduced my limit from XXXX to {$700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 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: Professional Finance Company, Inc.
State: FL

Complaint narrative:
These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as Professional Finance Co. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector XXXX XXXX XXXX, The Original debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/2022 I sent a l sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 120 days later, I have not received a response regarding these accounts. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my report. Because it has been over 120 days, these items are long overdue for removal. I demand these accounts be validated or be removed immediately or I will be forced to file for litigation for the mental anguish these accounts have caused me. My data was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
These are not my accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: MO

Complaint narrative:
Several discrepancies with my credit report, due to inaccurate reporting that violates FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX  XXXX XXXX account # : XXXX Account name : XXXX  XXXX XXXX XXXX account # : XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-03-03 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:
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 # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX XXXX account # : XXXX Account name : XXXX  XXXX XXXX XXXX account # : XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
the account includes medical billing information that was billed to insurance. have disputed information on the account and am unable to dispute it. 
the account includes information on accounts that have been paid. continues to show on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: WA

Complaint narrative:
XX/XX/XXXX I had an interview for a job offer from work from home customer service over telegram messaging from a manager named XXXX XXXX from XXXX XXXX She asked me to introduce myself so I gave my name and where I'm from and what position I'm applying for. Then she gave me information about the company and what my job and responsibilities are if I'm hired. Then she started interview questions also asked what bank I bank with and asked if they do mobile deposits.Then asked me to wait while she send my interview questions to a hiring manager. Told me i was hired for the job and how much i will be getteing paid. Then asked for my personal information name, DOB, phone number and email address and home address. Also a picture of my ID and a picture of myself for my profile. So I can be enlisted into the company portal. Then told me that the company will provide me with equipment for my job and it will be delivered to my address. She told me as soon as the tracking information is ready she will let me know of the tracking number. Then she said the company will provide funds for the working materials and that I can print a check of {$100.00} for myself for sign up bonus and I can use my mobile app to deposit my check. By this time I knew I was getting scammed because no company with let you print a check to deposit into my account. Then she asked how do I want the check written. Then she asked if I was able to print the check from home I said I don't have a printer. Then asked if there is a library or staples near me. I said no because she wanted me to print the check like in a rush. Then I asked if this job is real she said yes as soon as you receive your equipment you will be on a zoom call with head department. Then later on that night I start receiving emails that my personal information is being looked into through XXXX XXXX, XXXX XXXX, XXXX, XXXX that I'm looking into this I was like XXXX. Then this morning XX/XX/XXXX I got an email from Experian credit is being looked into and this is not me doing it. I think they are trying to get as much information as they can about me. So I need help with my situation that I got myself into. Because I do not want them to hack into my bank account. Please help me!!!! I have attached the conversations during the interview yesterday Thursday.

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