vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX  Today, I received a call from a customer call center from Bank of America in regards to XXXX that was submitted the other day. 

We went over the complaint. The Customer service agent kept asking who I spoke to. Initially about trying to initiate the dispute over check # XXXX for {$95.00}. I told her that I didn't remember but the second one was XXXX who was very nasty. 

She went around in circles asking me names and dates. i got the feeling this was a stonewall. Then she brought up an issue that had nothing to do with the current one about the visa credit card services. I said that this had nothing to do with anything. 

The Bank of America customer calls centers are monitored. In addition they record the customer service agent, time and date. very frustrating experience, Then my phone got disconnected again. 

Bad customer service from Bank of America.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX account # XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. It has not been verified

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 2023-09-18 00:00:00
Product: Credit reporting 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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Recieved a notification that JPMCB Card Services ran my credit report and I have no idea why. I never applied for anything, I do not bank with JP Morgan or Chase, I did not authorize a credit check for anyone or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XX/XX/2021 Date Opened I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XX/XX/2021 Date Opened I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NJ

Complaint narrative:
created US Bank Smartly Checking. 
I deposited {$10000.00} into DIRECT DEPOSIT. 
I opened a checking account with the conditions below and have not received it yet. 
I already met the conditions and requested confirmation over the phone. 
I was supposed to be notified of the results via EMAIL, but there was no communication. 
I should get paid {$600.00}. I hope that action is taken quickly. 

( 1 ) Open a Smartly Checking account at the branch or online by XX/XX/XXXX. 

( 2 ) You must deposit at least {$25.00} to open an account.

( 3 ) DD total at least twice within 90 days after opening the account- {$200.00} bonus for purchases over {$3000.00} and under {$5900.00} - {$400.00} bonus for purchases over {$6000.00} and under {$9900.00} - If you spend over {$10000.00}, you can receive a {$600.00} bonus.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
This Person ( XXXX XXXX XXXX XXXX /Total Visa ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XX/XX/2023-XX/XX/2023 furnished to my consumer report I did not give written permission to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Despite Sunrise Debt Collection sending me an email confirmation that my debt ( with XXXX XXXX XXXX ) was settled/paid in full, they proceeded to put a derogatory mark on my credit report. Attempts to contact Sunrise have been to no avail, until today, when I spoke ( on a recorded line with a Sunrise employee who gave their name as XXXX ) that my account was frozen and that it would require a manager to unfreeze it so the customer service representative could assist me. After being placed on hold, XXXX informed me that there was no one available to assist with unfreezing my account and therefore, I could just keep calling back. I asked the customer service representative to please make a note and inform a supervisor/manager to contact me so we can discuss my request to remove the derogatory remark from my credit report since I have an email from Sunrise Debt Collection verifying that the account is closed/paid off, but the customer service representative refused to assist me and instead hung up.

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 2023-09-18 00:00:00
Product: Credit reporting 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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2023, I contacted Transunion informing them that they are inaccurately reporting information on my XXXX student loan accounts. I also informed them that I have disputed two times already and no change was made to my credit report. I informed them that my XXXX correctly reported my information showing these accounts 100 % paid in full and the accounts were closed. But Transunion still has these accounts as 0 % paid and is still on my report as current open accounts.

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 2023-09-18 00:00:00
Product: Credit reporting 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: NM

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.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-09-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WLCC
State: FL

Complaint narrative:
On XX/XX/XXXX I revoked permission for ach on my account. loan number XXXXAfter a threating email, on the same day, I told collections manager XXXX XXXX via an email no contact. I have been receiving phone calls at work. Two are documented through management. XX/XX/XXXX from XXXX, and today from XXXX. Both calls documented are leaving the number XXXX ext. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  of XXXX I reached out to my mortgage lender via phone to inquire on the process to remove the PMI from my loan. After speaking with the customer service agent I decided to move forward. The representative read me some brief disclosures and processed a payment of {$190.00} to complete the submission of the PMI removal request. 

XX/XX/XXXX XXXX the authorized person from the realty company came to my home to do the walk-thru inspection along with taking pictures for the review. XXXX XXXX  the realtor reached out to me and asked about improvements and I sent her a list and approximate dates the same day. 

A few days later I get a packet in the mail from Regions mortgage saying they denied my request to remove the PMI due to me being at 77 % LTV. I immediately called the mortgage company to understand if my current LTV is under 80 % what was the problem? She began to take me through details from the inception of the loan and not the current consideration of what was being asked. Finally she stated none of the improvements were included in the request when the realtor submitted. It was suggested to open up an appeal and submit the information there on the site.

The same or next day I submitted the documentation of improvements w/approximate dates and value based on a sheet the mortgage company provided on their website. A few days later I get a voicemail saying I need to submit a statement about the appeal, so I then provided that. A month later I get another denial ( paraphrasing ) saying the information was already included in the initial request. 

Please also consider when I submitted my request to remove the PMI none of the disclosures read to me stated the minimum LTV had to be at 75 % or less if your mortgage loan is XXXX XXXX XXXX. Had this information been stated or read to me I would not have given Regions Mortgage {$190.00} as it would not have been a reasonable or viable option for 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 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am having an issue with my student loan servicer, Mohela. I work for the state and have been on an income-based repayment plan for my student loans since early XXXX. I applied for the PSLF program in the middle of XXXX, and my loans were transferred from My XXXX XXXX to Mohela. I called Mohela several times between the middle of XXXX and late spring of XXXX to ensure that I would continue to be placed on the IBR plan and was assured that my plan would transfer over. I called again on XX/XX/XXXX to ensure that my account was on the IBR plan as I was still awaiting any information from Mohela regarding my repayment. I was told at that time that my account did not appear to be on an IBR plan but that the issue would be escalated and resolved before my first payment became due. I was also instructed that I did not need to reapply for the IBR program. On XX/XX/XXXX, I received a letter from Mohela saying they were experiencing a delay in processing my request, but that it would be processed. Last week I received a bill for {$1900.00} and was told that my account is on the standard plan. I was further informed that Mohela had canceled the request to evaluate my account to determine why I was not on the IBR. On XX/XX/XXXX, in an abundance of caution, I reapplied for the IBR program, specifically under the SAVE plan and my payment is set to be about {$430.00}. I called Mohela today to ensure that the application was received and was told that it was not. I then reapplied for the SAVE plan with a representative on the phone but was told that despite applying and despite my numerous phone calls the past few months, I am still responsible for the entire {$1900.00} bill due in XXXX. When I expressed concerns over my ability to pay, she told me they could place me on a forbearance, which will negatively impact my ability to apply for PSLF at the end of the 10-year period. While on the phone, I asked to speak with a supervisor and was placed on hold until XXXX XXXX. At XXXX XXXX, my call was disconnected by Mohela despite not being connected to a supervisor to try and address the issue. I am at a complete loss right now as I know I was proactive in reaching out to Mohela numerous times before they issued my first bill to ensure that I was placed on the correct plan, but instead, Mohela unilaterally chose to place me on the standard plan and is now saying I have 2.5 weeks to come up with over {$1900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation