vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC
State: MN

Complaint narrative:
XXXX  we've tried to cancel the PMI on our mortgage. The XXXX  time we sought to cancel it because of large increases in our home value, primarily due to market valuation changes. They delayed the process as much as possible through slow action and requiring their own appraisal agent ( versus, an agent we already had lined up ). Their delays meant we could not complete the PMI removal before we planned to start some renovations.

More recently, our PMI was scheduled to be eligible to be terminated based on the original appraisal in XXXX. Now they say we need an appraisal to prove the home has not declined in value. Frankly, the odds of any home declining in value given large market valuation increases, is quite low, and certainly not applicable to us. I don't believe this requirement is in good faith. That, nominally, someone can cancel ahead of the automatic cancellation seems to be something they do their best to make impossible or financially impractical. They are asking us to pay {$450.00} to get an appraisal, that ( assuming it *only* takes XXXX months ) would net us {$300.00} in savings. Since I have no confidence they won't throw up more barriers ( or delay things even further ), this is not a bet I'm willing to make. I don't think our circumstance is special at all. I think, rather, that Flagstar 's practices concerning PMI are calculated to maximize their PMI earnings regardless of the actual risk posed of default. That PMI is required under these circumstances, untrustworthy PMI providers who themselves control determination of when PMI is or isn't still required, is the problem.

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was never late on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The months that's stating I'm late is XX/XX/2023, XX/XX/2023.

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 2024-03-23 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: Synovus Bank
State: NV

Complaint narrative:
XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX First Progress Card XXXX XXXX XXXX XXXX XXXX, XXXX Re : Case no. XXXX CFPB complaint To whom it may concern : this letter is in response to your recent claim regarding case number XXXX XXXX filed with the CFPB in which you claim all of the late payments are valid. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from attorney XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation. 
Be aware that I am making a final goodwill attempt to have you clear up this matter the listed late payment items are inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing another complaint with the Consumer Financial Protection Bureau and the attorney general 's oice, mainly because of your pattern of mailing statements late and then extracting late fees habitually from your clients. 
I further remind you that you may be liable for your willful non compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$XXXX in damages per violation for : defamation camera negligent enablement of an identity fraud, violation of the fair debt collection practices act including but not limited to section 807-8, violation of the fair credit reporting act including but not limited to section 623-b. 
You will be required to appear in a court venue local to me in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC attorney general 's oice CC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XXXX XXXX XXXX XXXXXXXX capital One closed and denied me access to both savings and checking accounts : checking : XXXX saving ; XXXX. 
I was not able to fulfill all my payments or my future planned purchases on time, which caused me more difficulties in paying for rent, food, items for my family, even my new car lease end, or plan to buy a new car.

After long calls finally got them to agree to close my savings account, then later a week on the XXXX XXXX XXXX they sent me a notification account was closed.

still till today XX/XX/24 no check has been received by them. 

I have over XXXX in savings and XXXX in checking I wanted to send my savings but they denied me every time I made a phone call. now I have decided to sue them for financial damage with your help so I can build a case if they refuse to pay those XXXX dollars in damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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 2024-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

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 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
While I was in XXXX XXXX on XXXX XXXX XXXX with my family we entered XXXX website to buy tickets for the show in XXXX for XXXX persons. 

The website of XXXX  showed total sum of {$250.00} for XXXX persons. When I pressed the button to book tickets for XXXX persons the sum without any prompt got substituted by the sum {$1100.00} and got applied automatically. This website acted like a scam service substituting and applying the sum automatically which was several times more than the advertised sum for a total of XXXX tickets. 

I started calling to XXXX to cancell - during the conversation it turned out that they are actually a third party call-center which is not responsible for anything and can not correct or cancell anything but are affiliated with XXXX. They being informed of the acute situation merely wasted time taking no action. 

Thus we immediately applied to paypal explaying that we did not intend to spend this big sum {$1100.00} because it is out of our budget. 
Paypal carried out its own investigation days later and as a result said that the seller informed paypal that I used their service and as a result the funds will not be returned to me. I asked if the XXXX has proof that we actually visited the event while we were not there physically, I called to cancell XXXX  service immediately after fraudulent activity of substituting large sum and applying it automatically without prompt on their website, moreover applied to paypal itself immediately to cancell the transaction. 

Regardless of us not present at the event as a consequence and immediate actions from my side to cancell at the first minute after booking a fraudulent service the decision of paypal was made in favour of the fraudulent seller. Paypal saw my immediate cancellation and still took the sellers side who has no proof that I actually visited the event but takes sellers side only because they said the delivered the service to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: CA

Complaint narrative:
Money stolen from my Bank of America checking/saving accounts.

At the morning of XXXX, I received several emails showing my

Bank of America online banking was changes. I could not access my BofA online banking because my online credentials have been compromised too. I went to Bank of America local branch and found out that around {$9000.00} was transferred out of my Bank of America account at XXXX, several hours ago. I immediately requested a STOP payment of the transaction since it was not made/authorized by me.The banker denied my request and saying that the payment can not be stopped while been processing. The banker asked me to report as fraud later on once the transaction has been completed. I don't know too much about how bank works internally. I had no choice but to wait. 

Since XX/XX/XXXX, my checking/saving account and credit card account has all been compromised. I've been contacting BofA almost daily by phone calls or went to local branches. I also went to the local police department to report this money stolen/ identity fraud activity on XX/XX/XXXX ( attached ). 

I was finally able to file a fraud claim on XX/XX/XXXX, which is almost XXXX weeks later. My claim number is XXXX. ( I made several appointments with banker and wanted to file a fraud claim. All my attempts failed due to system malfunction and other excuses ). 

XX/XX/XXXX, BoA conclude their investigation by saying I authorized the transaction myself. The fact was that I did not authorized the transactions and I reported the fraud activities within XXXX hours. I clearly stated that I want to stop the payment when I met the banker at my first visit.

The bank wants me to wait until the transaction been processed. I did so. The bank made it difficult for me to file the fraud claim by having system malfunctions. The bank concluded me authorized the transaction myself despite the fact that I went to a local brand and clearly asked a stop payment of the fraudulent transaction.

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 2024-03-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX and list of Inquiries. 


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 2024-03-23 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-03-23 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: OH

Complaint narrative:
I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WI

Complaint narrative:
I am un aware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe i received proper notification please provide the certified mail with a receipt with my signature on it stating i received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This Account was opened fraudulently and not by me. This is a violation of my rights as a consumer. I am human. There is no 3rd party involved. I have reported to FTC. There are duplicated fraudulent accounts. I have attached the FTC Report. The following accounts need to be removed from my credit profile ASAP.

Following Fraudulent Duplicated Accounts : XXXX XXXX XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: NC

Complaint narrative:
In XXXX XXXX XXXX I took out a title loan from XXXX XXXX for about {$5600.00}. From XX/XX/XXXX- XX/XX/XXXX I made about {$2400.00} in payments towards the loan. In XXXX, I experienced I financial hardship and could no longer afford to make payments. Thus, the car was repossessed and sold for about {$2000.00} according to my credit report. All things considered, the balanced owed on my credit report is {$6800.00}. This is more than the original loan amount of {$5600.00} and it seems the sale of the car and the payments made toward the loan are not being properly accounted for. Furthermore, I had personal items in my car worth at least {$1000.00} in my car during the repo. I was never allowed nor notified on how to retrieve my personal belongings. Thus, I believe the value of my personal property should also be accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: TN

Complaint narrative:
I notice XXXX XXXX reporting on my credit report on XX/XX/2024. After noticing this account is a result of identity theft, I filed a dispute with XXXX as well as Experian, including my identity theft report. Ive allowed these companies over XXXX business days to investigate this but I have yet to receive a response. I included my identity theft report with this complaint. 15 US code 1681c-2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than XXXX business days after the date of receipt. According to the FCRA, if a credit reporting agency fails to remove an identity theft account after you have disputed it, they may be violating the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates how consumer reporting agencies handle your credit information, including investigating disputes and correcting errors.

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