vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ark-La-Tex Financial Services, LLC
State: FL

Complaint narrative:
I have requested several occasions to have my PMI removed. They will not appraise my property or remove the PMI. This is the last email I sent Benchmark Mortgage. 

" I AM IN RECEIPT OF YOUR LETTER DATED XXXX. I DISAGREE WITH YOUR DETERMINATION. I HAVE INVESTED OVER {$300000.00} IN IMPROVEMENTS IN THE PROPERTY. ALSO, THE PROPERTY HAS OVER DOUBLED IN VALUE SINCE MY PURCHASE IN XXXX. I DEMAND A REVIEW AND AN APPRAISAL AT MY EXPENSE TO RELIEVE ME OF THE MORTGAGE INSURANCE. IF RELIEF IS NOT GRANTED, I WILL PROCEED WITH LEGAL ACTION ALONG WITH CONTACTING THE PROPER GOVERNMENT AGENCIES TO SEEK RELIEF. PLEASE FORWARD THIS EMAIL TO YOUR LEGAL DEPARTMENT. '' Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
In XXXX, my card was suddenly not working. The company said that It was lost or stolen. Which I never reported. I have requested a new card 3 times and never received. Received an annual fee and inquired. The account was closed without my confirmation and they want a annual fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX, PA XXXX This company is reporting a inaccurate debt collection " XXXX XXXX located at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX Acct # XXXX past due balance {$370.00} XXXX XXXX. 

I have sent multiple certified letters to this company requesting a contract with my signature on it relating to this collection. They have been unsuccessful in supplying me with any original documentation of any sort and still the collection remains on my report as accurate and verified. I have indicated that I do not know this company, I have never done any business with this company. This company does not have a contract with my signature. XXXX credit Bureau completed a reinvestigation that resulted in the collection being removed. I also sent the XXXX notification to the above company, No results.

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 2022-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Like everyone, the pandemic disrupted my life and my income. I called my lender and asked for a forbearance. I was given the forbearance by Flagstar and tried to get everything sorted out. When I resumed working and earning an income again, I called Flagstar to resume payments and was told I would be sent to FHA for a post COVID assistance. I received a phone call from my lender on XX/XX/2022 stating that I was denied and would need to send in a full documentation modification review. After a return call we spoke to XXXX ID XXXX who said the partial claim was denied because the past due amount is greater than 25 % of unpaid principal balance. This is all well understood by me and I do not have a problem with the denial of the partial claim. The problem is that when I asked XXXX to send me back to FHA for a recovery modification review, he refused. He stated an entire documentation package would need to be sent. I asked why can I not go to FHA for the streamline recovery modification. I was told that the streamline recovery modification was a full documentation review. After research, this is incorrect. My lender will not listen to me and will not send me to FHA for the assistance I believe I qualify for. Also, the phone call telling me I was denied and needed to reinstate did not offer any other alternative. When I looked into this, I believe I was misinformed about the options available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-07-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-15 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-07-15 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: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: OH

Complaint narrative:
On XX/XX/2022 I received a collection letter from Frost-Arnett in an attempt to collect a debt for XXXX XXXX XXXX in the amount of {$100.00}. They provided reference number XXXX. Upon research with XXXX my insurance company, I agreed that I do owe the provider {$100.00}, but never received an invoice from XXXX XXXX, so I decided to pay. I entered the Frost-Arnett payment portal as a guest and authorized {$100.00} to be paid from my credit cared ending in XXXX. However, I received immediate notice that they in fact charged me {$110.00}. Upon research they state in the terms and conditions that they may change a convenience fee but stated they would tell you that amount before you submit. That did not happen and this is quite deceptive. I'd like the {$6.00} fee returned to me as I would have just mailed a check to avoid the fee had they disclosed that amount upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened a savings account in XX/XX/XXXX for a security deposit for a tenant in the amount of {$1300.00}. i called the bank in XX/XX/XXXX to find out what the balance was and was told it was {$470.00}. i was selling my house so i needed to let the buyers and attorney know how much security deposit should be transferred to the buyers. i went to the bank to find out what happened to the money. i spoke with XXXX XXXX and she called the online research dept from the bank while I was there. i was told the bank records go back 7 years and they have no record of the account beyond seven years and therefore could not tell me what happened to the money. upon the sale of the house i had to give the buyers {$1400.00}, the amt the security deposit should have been for all those years. now Im out {$1000.00} because the bank doesnt know what happened to money. i need to find out what happened to money and how can I get my money back from the bank

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 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a US Bank business checking account with the following promotional terms : " Earn {$500.00} when you open a new business checking account and complete qualifying activities. Open a new U.S. Bank Silver, Gold or Platinum Business Checking Account with the promo code XXXX. Deposit {$5000.00} in new money within 30 days of account opening and maintain for 60 days. Enroll in the U.S. Bank Mobile App or U.S. Bank Online Banking within 90 days of account opening. Complete XXXX qualifying transactions within 90 days of offer enrollment ( Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay ). '' I met all these requirements by depositing a total of {$5000.00} ( including an initial {$100.00} opening deposit ) within the 30 day period as well as completing the transactions. 

However, US Bank is not honoring the bonus, because it is claiming that my initial opening deposit of {$100.00} does not count towards the {$5000.00} in " new money. '' Nowhere in the bonus terms does it say anything about an initial deposit not being " new money '' and thus not qualifying. This is thus very confusing and unfair wording and I'm sure caused not only me but many others to miss out on this bonus. 

I am requesting US Bank honor the bonus as this requirement was not at all clear in the bonus wording.

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 2022-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
These people are literally harassing me. Theybsent me a loan throughout the mail which i deposited. Because of XXXX the payments didnt start until XXXX, which is when i dtarted my new job AND moved into my new apartment. I needed the extra funds to help with both. Ive never qualified for any rental assistance program so i had to utilize what i had available. Because they deferred all payment until XXXXXXXX XXXX of covid my {$300.00} loan turned into a {$900.00} balance. I did not find this out until i went online to create my account profile to make my payments. I realized quickly i got screwed but i was managing so much that i really didnt have time to complain. These people started calling me EVERYDAY!!! i have never spoken to them at all regarding my account because i literally work XXXX freaking jobs. I work from XXXX monday-Saturday to pay my rent, other bills, and pay of this dang loan!!! I literally pay between $ XXXX at least every other week..even on days i make a payment THEY STILL CALL ME!!! The latest was at XXXX literally!!! Ive gotten the {$900.00} balance down to less than {$400.00} and they still call me EVERY DAY!!! IF I LOSE MY JOB FOR THEM CALLING AND LEAVING ME MESSAGES ALL DAY I AM SUING THEM DIRECTLY!!

Company response to consumer: Closed with explanation