vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 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: CT

Complaint narrative:
Bank of America took the balance out of a checking account and closed the account without any explanation as to why. I was Power of Attorney for my mothers checking account. She passed away XX/XX/2021. I have been trying since then to find out why the account balance was cancelled and closed. Bank of America has kept me on hold almost every day since then, sometimes for hours. They never answer the phone and they say on their website that you can make an appointment to come in and see them. That is not true as there is no access to do so on their site. If you go to their location, they tell you that you need an appointment. It is nothing but a horrible run around with no way to alleviate the problem. They took out the balance of the checking amount of {$690.00} and closed the account when I go on line, with no explanation of why or how to find out why. The worst run around I have ever experienced and they make it impossible to contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
This complaint is against Caliber Home Loan. I have a mortgage and an escrow account with Caliber. In XXXX Caliber didn't pay my property taxes while I was paying them into my escrow on a monthly basis. Every quarter I would receive a delinquent notice from my city tax department, and I would organize a conference call with XXXX XXXX XXXX XXXX. to resolve the issues. 
In XXXX, Caliber re-calculated my escrow account and sent me a letter. I agreed with Caliber ( XXXX ) to pay the shortage. I paidXXXX on XXXX ( with a note that this money have to be applied to my escrow ). The money were misplaced to my mortgage principal. After multiple calls, and HOURS on hold with Caliber, they agreed to reverse this payment to the escrow account ( request placed on XX/XX/XXXX ). The reversal was finally processed on XX/XX/XXXX. I also pay my monthly statement balance ( mortgage and escrow ). Amount due on XXXX XXXX was {$1700.00}, which I paid and it is reflected in Caliber system. But it seems that they misplaced that payment as well, and as a result I'm charged with {$64.00} late fees. 
I also asked a qualified supervisor to call me ( multiple times ) which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I contacted Amerisave Mortgage ( XXXX # XXXX or about XX/XX/2021. I was assigned a loan XXXX named XXXX XXXX ( XXXX # XXXX ). After reviewing the loan docs, I had become suspicious of the amount of fees being charged on the loan. So I applied elsewhere. The second lender was almos {$8000.00} less in fees. I then asked XXXX if he could match or beat the new quote, and he said he could. He uploaded new disclosures in my portal for me to esign, matching the rate of the new quote but still showing {$6000.00} more in fees, expecting I would not to notice. When I approached XXXX on this, he called me, became defensive, and started backpeddeling, saying that I needed to sign the docs, then he'd get me a match on the fees. That certainly didn't feel right. He then said " he'd have to talk to his manager for approval ''. When I asked to speak to his manager, he replied " look up my NMLS number! I don't need your business, I'll just cancel your loan! ". I assume he was trying to strong arm me into signing, which I did not. I can only imagine what he's done, and continues to do to other trusting borrrowers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: DC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has been furnishing multiple accounts on my credit report that are unauthorized. I have disputed many of them several times and they have come back as validated and verified and I would like to know how what methods were used to do so. Regardless I have not given Equifax written or verbal permission to furnish these accounts on my consumer report. There are multiple addresses on my consumer report that I no longer associate with or live at and addresses still being listed on my consumer report is a privacy concern. There are also multiple unauthorized inquiries listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NY

Complaint narrative:
hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX on XXXX separates dates are reporting an inquire on my Transunion and XXXX. 
At no time did I authorized any of these inquiries. This is an on going battle with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX on XXXX separates dates are reporting an inquire on my XXXX and XXXX. 
At no time did I authorized any of these inquiries. This is an on going battle with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I've owned my house 19 months and the value has gone up significantly. The value of my home vs what I owe is way more than 20 % therefore I want to drop the PMI. I contacted my mortgage company, Mr. Cooper to do this. I initially contacted them in XX/XX/2021. I've contacted them in total 6 times about this same mater. Every time I call it takes anywhere from 1hr to 2 days ( in the recording you can leave a call back number, no they won't provide a direct number to the PMI department ) to get In touch with someone in the PMI department. When I finally get to talk to someone they have no record of my previous call or calls. Every conversation I have to repeat myself and I learn of a new step in the process. First I was told just to submit in writing requesting it be dropped along with an appraisal. Then it's up to XXXX XXXX  and that I needed a " PMI Appraisal '' and that I needed substantial improvements to the house. Mr. Cooper then submits the PMI appraisal to XXXX XXXX, XXXX XXXX takes 30-60 business days to review my request. Here I am 4 months later and it's still not done. I'm still having to pay my PMI monthly with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XXXX XX/XX/21 Wells Fargo closed my checking account. They reason is that the address information Washington not updated, but it has veen updated in all XXXX accounts. They send me a check for the total amount {$51.00} to my address where they always send me my correspondence and I do receive it. Nevertheless, I never received that check. 
Since XX/XX/XXXX until now, I tried by phone to resolve this inconvenient but they have no answer for me. I called to the bank three times a week, even I went to the banks office in XXXX, and they doesnt give me an answer. I dont know what more to do, that its all my money. Im desperate!!!!

Today they told me again that I have to wait 10 more days to have an answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi Bank ( CBNA ), Hard credit query against my credit picked up by credit monitoring due to PPI breach. 

Identified on XXXX XXXX. I made multiple calls over 6 to Citi over 3 days before I got through to someone in the fraud department on the afternoon of XXXX XXXX. 

Card was being requested with my PPI. I did not request a card through Citi. 

Once I did get through to someone in Fraud things moved quickly and were in a conf call with XXXX to put freeze on my credit. Currently awaiting paperwork from Citi for affidavit as well as paperwork from 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 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/XXXX {$7800.00}. Inquiries : XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: TX

Complaint narrative:
I started the process in purchasing a home in XX/XX/XXXX. The original close date was XX/XX/XXXX. The closed date has been pushed back from the XXXX of XXXX to the XXXX of XXXX from the XXXX to the XXXX of XXXX to the XXXX of XXXX and now close date has been pushed from the XXXX to the XXXX of XXXX. The initial closed date was moved due to the appraisal not being done. The appraisal was not completed until XXXX of XXXX. Each time I have to reach out to my loan officer I am given a different excuse or cause for delay. I have spoken to other mortgage companies they all have stated the same that the process should have not been this delayed. The only way I any status about the process I must initiate the request ; even when they need documentation form me. On XX/XX/XXXX My credit was pulled and rather then the company reach out with their questions I was notified on XXXX, XXXX XXXX about the issues they wanted to address. XXXX  XX/XX/XXXX, I had to send an email out to inquire about the status and was advised by a different loan officer that the documents were being prepared and should have been completed at the EOB XXXX. As on XXXX  XX/XX/XXXX I have not received a response and on the final process to close on the property. They are delaying the closure on the property and all I am getting are more and more excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NJ

Complaint narrative:
I XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I XXXX XXXX XXXX, am filing this dispute for my self. I have reviewed my credit report and am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX CARD account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX According to XXXX XXXX XXXX ( XXXX ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NJ

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XXXX XX/XX/2015 {$7800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: OK

Complaint narrative:
I had a hospital stay in XXXX and setup payment arrangements for multiple bills with the medical provider. One bill was missed and went to collections but a payment plan was established with the previous creditor. In XXXX they stopped taking the payment but didn't contact me to setup the payment plan again. 

Late in XXXX I received a letter from paragon saying I owed them for XXXX from the hospital stay> I called the prior creditor who confirmed they sold the debt without notice. 

Paragon accepted one payment from me and never sent another statement. I tried to login on their self service site but it says my account number is incorrect. 

Paragon should remove the delinquent reporting and allow a payment plan to be established to suffice this debt. 

Account info I was provided : Paragon XXXX XXXX It is absolutely ridiculous to hurt someone's credit when they made every attempt to repay the debt. This company 's practices should be reviewed further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I purchased my XXXX  Toyota XXXX the loan was financed by Toyota Motor Credit they have predatory lending practices. My loan was financed at 12 % for 8 years. The interest was ridiculously high. Finally I had to sell my car on XXXX XXXX for XXXX dollars but I still owed them XXXX dollars. I bought my car XX/XX/2014 for XXXX dollars ended up paying XXXX plus in interest to end up with no car and very little money to show for it. I do hope you can help me in this matter. Toyota Motor Credit should be stopped from taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NJ

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and 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