vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Equifax multiple times to have unauthorized inquiries removed from my credit report. 
During this time an account that was tied to the following inquiries was removed : XXXX XX/XX/XXXX XXXX. XX/XX/XXXX But to date the inquiries have not been removed. I have submitted two separate FTC reports reporting them as fraudlent and yet they still remain. On one ocassions I was told the format I used was inaccurate which is why it wasn't removed. On another occasion I was told that the creditor were bunched together instead of each having a sepeate line item for themselves. 
I latest attempt was XX/XX/XXXX where someone asked for supporting documents that I have sent and I gave her those documents and she stated the previous inquiries would be removed plus the inquiries : XXXX XX/XX/XXXX She gave me a confirmation number # XXXX and the next day the following inquiry was removed : XXXX XX/XX/XXXX It was the only one removed form the report of the 4 inquiries. 

Today XX/XX/XXXX I called to question the other inquiries remaining and was told that they have no supporting documents and that all documents are erased after 90 days!!! 

I was told once again for the third time in the last year to submit documents I have on two other occasions to be told that they were incorrect when they are FTC documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for XXXX benefits in XX/XX/2020. I had been waiting for several months to get a ATM debit card and I even walked into the branch to ask for one and I was told I had funds in my account but no physical card. Then there was the government shut down due to the pandemic and no banks were open to walk into. I have called several times and gotten no where except cut off the line when there was going to be a representative answering but no one would be on the other end of the line and i waited 4 hours at a time to talk to a representative. I also have emails and dated letters and even evidence that i have on file with the XXXX XXXX Superior Court EDD Appeals office on record that i continuously attempted to resolve this matter. I have police reports and identity theft affidavits on file with the FTC. I recently won an appeal with the EDD about my benefits that were never received and i was favored in the appeal and was granted my funds. There were unauthorized charges on my account from a card I never received in XXXX and the ammount I was owed was not there so i filed a claim and now Bank of America froze my account and denied my fraud claim with no explanation and i do not want to deal with this any longer. can someone please help 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 2022-08-26 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: LA

Complaint narrative:
I have repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
All debt is obligation of the United States in accordance with 18 U.S.C 8 and being that Ally Financial Inc is attempting to collect a debt from I, the consumer makes them guilty and in violation of False Claims Act ( FCA ) 31 U.S.C 3729-3733.

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 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: WA

Complaint narrative:
Unwillingness to Cooperate and Provide Transparency related to PMI charged for the Mortgage Account by Key Bank. 

We have our mortagage account with Key Bank and the escrow charges a PMI. I have been in regular touch with the Bank to understand the process of PMI and its cancellation but it not customer friendly and requires 30 mins of call every time to get in touch with an Escrow Office. Even on getting touch there is no effort to provide how much the customer needs to reach in terms of balance to cancel/remove PMI. 

We have reached 80 % of our mortgage balance and as per general understanding applied for removal and also asked the Key Bank Escrow Servicing Department what balance we should reach to remove the PMI, but all efforts to reach out through phone/email have never worked, The Bank staff 's typical reply has been they do not know the numbers like it a red tape. 

We need CFFB help to bring transparancy in the process, so Banks can share this with Customers on they pages and showcase next steps to take care of the PMI/Escrow fees. 

I appreciate CFFB for helping us provide a forum to raise this issue. I am pretty sure many bank mortgage customers will be a in similar situation with no clarity on when and what amount can help then remove the fees charged. 

Attached 1 ] Recent letter from Key Bank without any details on balance required just saying out it LTV not at required amount, previous letters have also been cryptic with no specifics 2 ] Emails send from my account asking Key Bank mortgage department on the specifics on PMI and when can we remove it and what LTV value needs to be reached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: LA

Complaint narrative:
I have repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-comply.

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 2022-08-26 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: AL

Complaint narrative:
I lost my wallet and my identity was stolen. My information was used for fraudulent inquires. They are all listed below. I would like these fraudulent inquires taken off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
Arbor Professional Solutions is violating federal laws and have sent me a billing statement with billing errors, see attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX   : XXXX /XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-26 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:
Accordance with the Fair Credit Reporting Act XXXX  Account : BankruptcyXXXX : XXXX /XXXX  XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I sent a dispute letter ( 609 ) to the three credit bureaus Equifax, XXXX, XXXX on XX/XX/XXXX, asking for them to verify the items on my report one in particular the Student Loans from XXXX XXXX and the Department of Education XXXX XXXX were both reporting student loans twice and sent highlighted copies of my report to all three companies along with two forms of identification etc. On XX/XX/XXXX I received a letter from only Equifax saying they were unable to honor my request of sending a revised copy of my report because no specific credit grantor was provided. Again I sent them highlighted copies of my report and highlighted every error that I saw on the report along with the credit grantors. I have yet to hear from the other companies they had 15 days to respond that time has passed. In addition, as I'm writing this letter the President just forgave $ XXXX {$20000.00} in student loans. 
The FCRA also states that credit rating agencies must remove negative credit information after seven years and bankruptcies after seven10 years ... and due to the fact that the reporting agencies can't verify said items then they must be deleted and I should be supplied a new credit report showing the deletion please and thank you. 
In addition, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) properly delete that item of information from the file of the consumer or modify the item or information as appropriate based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP
State: NY

Complaint narrative:
I am a recent graduate from XXXX XXXX in XXXX XXXX, NY. 

I have been actively looking for work opportunities and received an email, from a professor, whose email I may believed to have been hacked, offering part time employment. 

The email requested my name address and a copy of my ID. As well as my bank information ( Key Bank and XXXX  XXXX XXXX ) which I only shared the address, no account numbers. 

The email was from XXXX XXXX, a XXXX XXXX XXXX contact. I was sent a mobile check in the amount of {$2200.00} to be deposited and used to purchase materials for people with XXXX. 

After I deposited the check, the funds were shown as available, and I was then asked via email to send money using XXXX for two seperate transactions. 

The following day I went online to check my accounts and I was locked out of my accounts and told to goto a local branch. 

After visiting the branch, I was told my account locked due to an investigation on a fraudulent check. 

I do have all the emails, letter of employment and conversations saved and able to be sent as needed. 

I am still waiting for my accounts to be accessible and would like to know if it is possible to recover the lost funds. 

I would also like to report the email used by the scammer. 

XXXX And XXXX email XXXX XXXX Feel free to contact me directly at XXXX or email me at XXXX Thank you for your time Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
I had a previous complaint XXXX which CFPB closed XX/XX/2022. Moneygram detailed instructions for me to receive {$3900.00} which I followed at XXXX. The transaction could not be completed at XXXX as promised by Moneygram, " unable to process transaction '' was displayed.

Moneygram is unable to process my transaction. I have wasted hours and hours dealing with their incompetence.

Please require Moneygram to send me a check for {$3900.00} immediately. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX DID NOT FOLLOW THE LAW. I ASKED FOR ANY ACCOUNT THAT I MAY HAVE BE REMOVED FROM MY CONSUMER REPORT DUE TO THE SIMPLE LAWFUL FACT THAT I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE WRITTEN PERMISSION TO THIS COMPANY TO FURNISH ANYTHING WITH MY SOCIAL SECURITY NUMBER ATTACHED. 

THEY EVEN STATED IN THEIR LETTER THAT THEY HAVE NO COPY OF A SIGNED AGREEMENT WITH ME. THAT IS PROOF THAT THEY CAN NOT VERIFY THIS ACCOUNT. I DO NOT LIVE AT THE ADDRESS MENTIONED IN THOSE DOCUMENTS THEY SENT OVER. THEY ARE COMMITTING FRAUD AND THIS BUREAU IS ALLOWING IT. I AM DISGUSTED AND WILL CONTINUE TO FILE COMPLAINTS DAILY TIL YOU ADHERE TO THE LAW AND SUBMIT TO YOUR FAULTS. 

THEIR DOCUMENT WITH THE CARD AGREEMENT LITERALLY HAS ( XXXX, OH OH ) AS THE ADDRESS! THAT IS FICTITIOUS AND NOT EVEN A REAL JURIRSTICTIONAL ADDRESS IN THIS COUNTRY! 

I HAVE LITERALLY JUST REMOVED OVER 60 ACCOUNTS THAT WERE ATTACHED TO MY XXXX XXXX ACCOUNT BECAUSE MY NAME IS SO COMMON AND I HAD MEN WITH THE EXACT SAME NAME AS ME ON MY PROFILE BUT THEY LIVED IN UTAH AND OTHER VARIOUS PLACES. 

MY SIGNED AND MAILED AFFIDAVIT WAS SENT XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Academy Mortgage Corporation
State: DE

Complaint narrative:
I was informed that I owed on a mortgage on my property in XXXX XXXX, MD in XX/XX/XXXX. I immediately filled paperwork for a mediation as well as spoke with various attorneys to figure out what was going on. In XX/XX/XXXX my house caught fire and burned to the ground and is a total loss. Everyone was notified of the complete loss. Academy Mortgage continued to insure for a dwelling in XXXX, XXXX and currently in XXXX when no dwelling exists on this property due to the catastrophic fire. The insurance company paid Academy XXXX in three payments in XXXX of XXXX, which are still as of XX/XX/XXXX in a restricted escrow account. Academy continues to move forward with a foreclosure on this property even after agreeing to enter into settlement negotiations as it was proven that I did not actually have a mortgage on this property, and that it was taken out by my ex husband and his girlfriend to obtain permanent custody of my son which didn't happen. On XX/XX/XXXX I requested a payoff letter on instructions from my Corporate Attorney as we have a buyer who is interested in purchasing the property. I called the following number XXXX and followed the prompts for a payoff letter. I then was routed to a customer service XXXX XXXX XXXX XXXX XXXX who instructed me that she could not send a payoff letter as she couldn't speak to me about this account which is in direct violation of Federal Law as they believe the account to belong solely to myself as evidenced on all correspondence sent to me by their organization. Therefore I am submitting this complaint so that someone can help to sort this out and get this Mortgage company to either payoff this supposed outstanding loan or send me my XXXX that I am owed from the proceeds of the insurance payoff from the fire they are holding in my name in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: MS

Complaint narrative:
I recently disputed some accounts on my credit report that was not accurate, multiple accounts, they where supposed to be removed with proof from the original creditors, The credit bureaus have failed to acknowledge and execute on this issue for months now. This has been going on past 45 days. All proof is below, they informed me that if I was a credit repair organization or using a Credit Repair organization I would need to state that, no law says I need to state anything about my credit because it is part of my consumer privacy protection.

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Citizens Debt relief LLC
State: NY

Complaint narrative:
I began working with Citizens Debt Relief XXXX years ago. They have been unresponsive, taken over {$12000.00} in fees but have only applied {$3800.00} towards my debt. I have repeatedly asked to cancel the account and receive a full refund. They do not return calls, answer the phone, respond to emails or chats. I have a legal right to cancel this service and receive all funds that were sitting in escrow. This company continues to ignore my request for full repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Granite Edvance Corporation
State: OH

Complaint narrative:
From XXXX I have struggled and struggled with this company. Used to be granite state- they constantly were telling me on the phone to put loan into forbearance and said interest wouldnt matter. I listened and did as directed. That interest sure crept up after every forbearance ended and another one started. I struggled making payments. customer service was only about forbearance. I had to consolidate since granite wasnt going to be a company much longer from word of mouth. Now I have huge monthly payment, cant afford it. Would of saved me thousands if granite wouldnt of kept pressing forbearance. Than I was told by XXXX  via phone call my loan is considered into the XXXX settlement. Called them months later and they acted like they new nothing. They had me call Ohio attorney general who than redirected me to another company. Im struggling mother here and I feel so betrayed and taken full advantage off by granite state loans. Interest sky high, to forbearance periods to income driven repayments to late payments. No one at that place were on the same page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Denial of my consumer credit as the creditor, when I have full faith and credit and that's a prepaid exemped account, Thier acting as Beneficial Owners of my SOCIAL SECURITY XXXX XXXX ACCOUNT, with non disclosure, signed under a NDA ( $ IGNED A NON DISCLOSURE AGREEMENT ) a unilateral contract. I'm age of majority and competent to say so per Title 46 USC 57308 ( VESSEL LIEN up to 25 years of age ). I'm the Beneficial Owner/TTEE for that account and I do have trustees and beneficiaries appointed to the revocable living trust account via XXXX 's XXXX They have not responded to any of my email request, from the very same email my account is set up under. I'm Alive for the record as well. XXXX XXXX XXXX, with prejudice. This matter should be approved and handle with care because I know they see my private securities under ( 15 USC 77 ( r ), denial of credit is unacceptable! I'm demanding a certified copy of the assets and liabilities for my account within the consumer law four days. They keep sending me obligations of THE UNITED STATES ( Title 18 sections A ) and I'm a state XXXX XXXX, which they have a copy of my passport, proving the facts!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
received a debt collection letter sent from creditor collection services XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, stating that I owe {$59.00}, which I had no idea how this debt was mine. letter reference XXXX XXXX I assume this is the amount that XXXX insurance says I owe. 
If its a debt i owe from my insurance premium, at least the collection needs to be sent to the right address. My policy address isnt the letter receival address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation