vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I frequently send money to overseas account holders ( foreign banks in their counties ) using wire transfer of bank of America. I had few problems with XXXX banks from this Bank to Bank Wire Transfers. In the past these were resolved. 

Recently XXXX XXXX  was sent to XXXX via Bank Wire Transfer. The recipient in XXXX did not receive it. The Bank in XXXX failed to transfer the money back to Bank of America so that I get my money back. Instead the Bank in XXXX seems to be holding it illegally ( it is not their money ). Bank of America is not making efforts to retrieve the money from threbank in XXXX ( their business partner ).

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 monetary relief
Consumer complaint received 2023-07-17 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:
In accordance with the Fair Credit Reporting Act, I assert that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX have infringed upon my rights.

As per 15 U.S.C 1681 section 602 A, I maintain the right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 clearly stipulates that a consumer reporting agency is prohibited from furnishing an account without my explicit written instructions.

Lastly, as outlined in 15 U.S.C 1666B, a creditor is not permitted to categorize a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
I had received my social security back pay on XX/XX/ and was going to use it to purchase a vehicle. I searched for chimes website and contacted them via the phone number on the site. I spoke to a representative named XXXX XXXX, in an attempt to increase my debit card limit to purchase the vehicle waiting for me at the dealer. XXXX had stated that accounting needed to verify funds to raise my point of sale limit on my debit card, and made 2 transfers of {$2500.00} each totalling {$5000.00}. One payment went to email address XXXX and the other one went to XXXX. at the same time 2 other debit card transactions came through. One for {$500.00} and one for {$1500.00} to XXXX. After spending 3 hours on the phone with XXXX, who was " working with accounting '' to put the money back in my account, and ended up giving me the phone number to their accounting team. That phone number was chimes REAL number, where they confirmed no chime representative was in my account before that. XXXX stayed on the phone during this, and the chime rep even spoke to XXXX, who was confirmed to be impersonating a chime rep, buy the real chime rep. They assisted in disputing the 4 transactions, neglecting the information i provided about the fake rep/site. They were originally all denied. I reached back out and resubmitted the information, making sure the rep put it all in, and they have only credited back the {$500.00} and the {$1500.00} debit card charges, but denied the {$5000.00} dispute saying the reason being " no error occurred ''. All 4 transactions occurred at the same time, and I don't believe chime is handling this appropriately. I have provided them with the police report 3 different times, and was told by 3 separate reps that the {$5000.00} was PROMISED to me by XXXX XXXX XXXX, and was denied with the reason being " no error occurred '' via email on XX/XX/. I am XXXX, without a home or a car and was desperately needing this money to get back on my feet after leaving a highly XXXX XXXX and trusted chime with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
To whom it concerns RE : Complaint about XXXX XXXX and Roundpoint mortgage servicing LLc. Regarding removing PMI. 

Dear Responsible, I would like to inform you that my house was appreciated at {$680000.00} in XX/XX/2023 and the remaining mortgage was around {$400000.00}. Thus, I have paid more than 40 % of the mortgage. Hence, I qualify for PMI  removal. 
In XX/XX/2023, my Mortgage was transferred by my previous mortgage company [ XXXX XXXX XXXX XXXX XXXX ) ], transferred/sold my mortgage to another mortgage company ( Roundpoint mortgage servicing LLc. ). 
According to the documents and rules sent by both XXXX and Roundpoint mortgage companies that during mortgage transfer 60 days are provided to pay the mortgage without any penalty. 
Moreover, Roundpoint mortgage servicing LLc sent the email and in the welcome letter that I should not send the mortgage before XX/XX/2023. However, I sent the mortgage on XX/XX/2023. Thus, sent before less than 30 days due date. 
On XX/XX/2023, Roundpoint mortgage servicing LLc denied PMI by giving the reason that The loan to value ratio, based on original property value, does not meet the agency/investor eligibility criteria. 
On XX/XX/2023, Roundpoint mortgage servicing LLc denied PMI by giving reason that The mortgage loan does not meet the payment history requirements, meaning one or more payments have been XXXX or more days past due within 24 months or XXXX or more days past due within 12 months of the date we received your request for cancelation. 
Note : I always paid my mortgage on time without any exceptions. However, because the mortgage was transferred/sold to another company, which is not in my control. I was instructed to pay late after XX/XX/XXXX, as the system of Roundpoint mortgage servicing LLc was not established to receive my mortgage. Thus, I have no fault and followed all the rules and paid the mortgage on time always. 
Thus, this harassment must be stopped, and my PMI should be removed effective from XX/XX/2023. Moreover, I should be compensated for this unnecessary suffering. 
I have attached all the required documents ; please let me know if any other relevant document is required. 
Thank you very much and with regards.

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 2023-07-17 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: CA

Complaint narrative:
These accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are ran as a chargeoff. But I never received the 1099 cancelation of debt form. And because of that These accounts is inaccurate and they have to be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: GA

Complaint narrative:
XXXX XXXX opened an account around XXXX, XXXX. They are reporting a balance of {$3700.00} on my credit. They have a company called XXXX XXXX collecting. 

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the credit bureaus didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I spoke with the representative we made an agreement that I would pay half of what I owed of XXXX, I agreed to pay XXXX, I paid XXXX date XX/XX/2023 you will see the screenshot of my bank account. I paid it right at that moment so I can be done with this, the transaction was completed and the representative told me that we are okay and that the account it settled and that it would resolve my account but I see a balance still owed of XXXX I called but they keep telling me they dont have access to my account We agreed that I would pay half and that the accounts would be settled. I have screenshots of your agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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:
I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX & XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17 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: GA

Complaint narrative:
XXXX XXXX opened an account around XXXX, XXXX. They are reporting a balance of {$3700.00} on my credit. They have a company called XXXX XXXX collecting. 

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the credit bureaus didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-07-17 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: GA

Complaint narrative:
XXXX XXXX opened an account around XXXX, XXXX. They are reporting a balance of {$3700.00} on my credit. They have a company called XXXX XXXX collecting. 

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the credit bureaus didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX and natural person, was denied credit by XXXX when I applied for a credit card, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. 
You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by XXXX due to the response I received. 
XXXX is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX 15 U.S.C 1602p. 
If XXXX fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make XXXX criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.

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 2023-07-17 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: NY

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Balance {$3900.00} Balance updated XX/XX/ Original balance {$3900.00} Original company is XXXX XXXX XXXX XXXX and they sold my debt to Southern Management Systems. I have disputed this off my credit numerous times but they keep updating the balance and the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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

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 2023-07-17 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: FL

Complaint narrative:
There is an account that is being published on my credit report that does not belong to me. I called TransUnion the credit reporting agency and informed them of the matter and they instructed me to call the creditor directly to have that account removed from my credit profile. I called the creditor " XXXX '' and also informed them on what was going on. Since the account is not my own and none of my information is in their system, they were not able to locate an account for me and they then instructed me to call back the credit reporting agency and request that they delete it off my credit report. As such I did just that but every time, I get a representative on the line they inform me that they can not do anything about this fraudulent account that is being reported on my credit report. I mailed a dispute letter regarding the matter and no response was ever given nor did they ever open an investigation of the fraudulent account that is being reported on my credit profile.

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 2023-07-17 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: AL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17 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: FL

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief