vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CITI CARDS CBNA Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have been in a refinance for almost ix months with numerous issues to which I am on closing date number three still with no resolve. I started the refinance in XXXX and I do not seem to be any closer to finishing. This entire process has been dismally handled. Communication has been dismal as well. I have emailed, called, and escalated the issue receiving poor communication or no response to include the processor and supervisor. Each time I ask for someone higher I get nowhere or get transferred to escalation again still with no response. Every time I talk to someone I keep being told to talk to my processor or go back to the escalation department in which again I am quite frankly overdoing considering no matter what nothing is being handled by anyone. If this is how you handle business I do not have a problem taking my business and money elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I noticed that I was docketed XXXX points from my credit report for disputing alleged debts. I did not receive a reason for the taking away of the point. I like the increase back of my XXXX points docketed without explanation, as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I just received a letter from M & T Bank. Perhaps I didn't make myself clear. I need a YES or NO answer for the following : Did XXXX XXXXXXXX pay-off my Hudson City Savings Bank Mortgage number XXXX YES or NO If the response is YES please provide the transactional information such as amount paid and the check or transaction number so I can have it authenticated. 

I never received the satisfaction of mortgage, release of lien or discharge of mortgage and the ONLY thing that matters is transactional proof the mortgage was paid of by XXXX XXXXXXXX YES or NO As you may already know XXXX XXXX has not produce anything at all to prove that they paid off this mortgage. If things have gone this far and their was no mortgage to pay-off I won't be able to sell something that was not paid for and will end up in court getting sued. 

This is a YES or NO question please expedite and be honest because I will be send all the facts to various politicians, TV stations and government agencies while I continue to search for a real estate lawyer who handles criminal cases. When the time comes I have every intention of signing complaints on all parties involved and all parties that aid and embed criminal enterprises. Please be honest.

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
There are a lot of credit inquiries on my credit report that I do not recognize and did not consent to. I have tried disputing these inquiries with the credit bureau and they have not responded nor removed any of the inquiries. The dates I disputed these inquiries are XX/XX/2020, XX/XX/2020, & XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I have been submitting numerous practices at Banks that do not protect consumers. Over XXXX was moved from my XXXX now XXXX account in XX/XX/2018. I reported to local and state police, FBI, FTC, IRS, DEA DHSSS banks and XXXX. No one calls me back because no one investigates for consumers. XXXX blames bank, bank blames XXXX or records, local police cite jurisdiction, attorney general or consumer protection say call police. Town where bank is tells me to call police in town I love, state police say call cyber unit who tells you to call local police. Its horrible. Only banks are protected. 

USAA reported to me coincidentally on XXXX XXXX that XXXX} was attempted to be withdrawn from this individual account and sent to XXXX but the funds were not available. Coincidentally I received a call from XXXX about the XXXX XXXX theft sent to XXXX and they shared they have no record of an attempt to withdraw XXXX from USAA account. That means its a fraudulent XXXX and I still suspect it was the same criminal from XXXX Who investgates ... ... no one. I have no XXXX auto withdraw but if funds were there it would have been taken. Banks are not protecting us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Company : NewRez Unreasonable time waiting for refinance to close. My original mortgage is with the same company so it appears they are slowing down the process on purpose so they don't lose money on the refinance. It has been a total of 4 months since this process began. The communication between me and the Company Mortgage consultant has been absolutely atrocious with little to no responses from anyone at the company. 



XX/XX/XXXX I spoke with XXXX XXXX at NewRez about refinancing my original loan I have with them. I agree to the refi and XXXX sends me list of required documents. 
XX/XX/XXXX I sent all required documents to XXXX XX/XX/XXXX XXXX says they need more documents. 
XX/XX/XXXX I send additional documents. 
XX/XX/XXXX Haven't received any updates. XXXX XXXX where we are at in process. No response XX/XX/XXXX Send another email asking for update. No response XX/XX/XXXX Send email to XXXX boss XXXX XXXX sayings XXXX is not responding, and can I get a response from her. No response XX/XX/XXXX XXXX replys that he's waiting on underwriting and will follow up with them now. He never follows up. 
XX/XX/XXXX Email XXXX again asking for some sort of eta XX/XX/XXXX XXXX responds " looking into it putting in a ticket with upper management '' XX/XX/XXXX I email XXXX asking for an update on the ticket. No response XX/XX/XXXX XXXX emails me saying they need more documentation. 
XX/XX/XXXX I send additional documents. 
XX/XX/XXXX New person XXXX XXXX assigned to my loan. asks for even more additional documents. Some documentation I've already sent in as well. 
XX/XX/XXXX I send additional documentation. 
XX/XX/XXXX I ask for confirmation of receipt of documents to XXXX. No response. 
XX/XX/XXXX I ask again for confirmation of receipt XX/XX/XXXX XXXX confirms receipt XX/XX/XXXX I ask XXXX an ETA for closing the refi, she responds that I will need to contact a XXXX XXXX about that. 
XX/XX/XXXX I email XXXX about ETA, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I mailed a certified letter of dispute to Equifax. It's been XXXX days and I've yet to receive any verification or validation for the inaccurate accounts listed on my credit report. This lack of consideration is causing me to feel disregarded pertaining to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 45 days and I have yet to receive a response. I feel as though my complaints are not being taken seriously and I am being ignored. Section 611 ( a ) states that a faliure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. My information may have been impacted by numerous data breaches and gotten into the wrong person 's hands.

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 2021-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a certified letter to Experian about an account that does not belong to me being on my credit report. The letter was delivered and signed for by Experian on XXXX. Experian has not opened a dispute or removed the account from my report. My score dropped significantly due to this collection account appearing on my report. I have no Account with XXXX XXXX XXXX or the party they are collecting for. They provided me with no XXXX  day dispute or validation letter, This account does not belong to me and was placed on my account. Experian waisted no time in deducting points from my credit score, and they are moving with no urgency in correcting the 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 explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
I have written XXXX letters asking for validation of an account that's being reported on my credit. I have received XXXX responses from XXXX different companies in reference to this! If that isn't confusing enough when the company I wrote to validated the account, the information that they sent me fell so far short of what I requested, it is pathetic! As a consumer I have rights. I am confused! I feel helpless! I do not know who to contact for help with this! PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed to the credit bureaus several accounts because of inaccurate and incomplete information that are ruining my credit report, but i haven't received any response from none of the XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: HI

Complaint narrative:
I sent a wire transfer to Bank of the West in California for {$20000.00}. for a vacation which was a fraud. My Bank here in Hawaii XXXX XXXX XXXX XXXX sent the transfer. I was suspicious 2 days later and I called the bank of the West to report it as a scam. They responded that it would be reported. I notified my bank and they also notified the Bank of the West of the fraud. 
i have tried to notify all the people who can help. I sent a report to the FBI, the FTC, and the Fraud dept in the US government. 
i know after reading about the scams online that the people who receive money through this means are called mules. The scammers hire them and they open bank accounts to collect the money for them. 
The money was received and collected at Bank of the West in XXXX XXXX. 
According to my bank the account has been closed by XXXX XXXX and no money can be retrieved. I believe that the Bank of the West is responsible for this as they were notified within 48 hours that it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to dispute the following information in my file where I have not received a reply from the evidence presented on XX/XX/XXXX Trans Union Credit Report. 
You will also find this item circled on the attached credit report. The item I have identified is inaccurate because last payment made on XX/XX/XXXX for the amount of XXXX was with the intention paid off the account totally. I was offered a year without interests if I paid off the account during the established year. First payment was remitted on XX/XX/XXXX XXXX XXXX XXXX as part of the Installment Plan Program that included XXXX payments. During a call made to the Preferred Credit offices, the staff informed me that the amount to pay off the debt was XXXX so I proceed to issue that payment for the required amount. The payments report on my credit history are 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 explanation
Consumer complaint received 2021-02-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I disputed to the credit bureaus several accounts because of inaccurate and incomplete information that are ruining my credit report, but i haven't received any response from none of the XXXX bureaus.

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 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an account with Citi bank using links advertising a XXXX bonus. I met the requirements by depositing XXXX and keeping it in the account from XX/XX/2020 to XX/XX/2020. There was a waiting period of XXXX days after that, after the which Citi has still not deposited the bonus. They sent a letter stating they were unaware of any bonus associated with my account. I went through the steps of opening another account to check and aside from following the advertised link, there are no extra steps a customer needs to do in order to become eligible. Also, on XX/XX/2020, I contacted CitiBank through chat with XXXX and made sure everything was Ok with my bonus status. He stated that everything was fine. I have contacted the XXXX and the bank itself through phone calls and faxes to try and fix this situation and have the bonus I earned deposited into my account.

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Colony Brands, Inc.
State: WA

Complaint narrative:
A hard inquiry appears on my XXXX  report from XXXX XXXX. This is unauthorized. I filed a dispute with XXXX  and they provided me with a contact phone number of XXXX which rings to Colony Brands. I do not do any business with XXXX XXXX or Colony Brands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are a lot of credit inquiries on my credit report that I do not recognize and did not consent to. I have tried disputing these inquiries with the credit bureau and they have not responded nor removed any of the inquiries. The dates I disputed these inquiries are XX/XX/2020, XX/XX/2020, & XX/XX/2020.

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 2021-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: IA

Complaint narrative:
My mortgage to loan ratio is at 75 % and my lender is refusing to remove PMI from my mortgage. Everything I have read states it has to automatically be removed once the loan reaches 78 %. I received a letter back from them stating my mortgage is at 80 % and qualifies to have PMI removed but I have to get a BPO first and to do that I need to send them a check for {$150.00}. Not only should I not be sending them a check, they should be crediting my account back {$400.00} for the PMI I have paid since my mortgage reached 78 % back in XXXX 2020. 

I called in and explained this to them and they still insisted I need to pay for a BPO. Again, everywhere I am reading says the lender is required to remove PMI once the loan reaches 78 % and it is required to be free of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: FL

Complaint narrative:
On XXXX XXXX drive time added a credit inquiry to my report that I didn't authorize. I've never done any business with drive time. I've asked them to provide me with documents with my signature and they failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I filed a dispute with Chex system about a checking account that I closed with XXXX XXXX XXXX XXXX Bank the account was opened XXXX I closed the account in XX/XX/2020 I was unhappy with the service. When I applied for the account I opted out of the over draft protection some how XXXX XXXX XXXX XXXX closed my account as I requested but are saying they paid a bill which I didnt have over draft protection in the amount of {$370.00} I have called XXXX XXXX XXXX XXXX numerous of times asking what account was paid and please forward me what was paid and why was it paid it I didnt have over draft protection its been two months now and I have yet to receive any thing from XXXX XXXX XXXX XXXX or Chex system.I was reported to Chex system I filed a dispute with Chex system and I have not got a response I want for this to be took off my report closed out from Chex system as well as XXXX XXXX XXXX XXXX I dont owe {$370.00}.

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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Requested a credit card product change from Citi for coverting Citi XXXX XXXX XXXX credit card to XXXX XXXX XXXX credit card. The card was converted but credit report was hard pulled without consent. No warning was given that a hard credit inquiry will be done for changing credit card products even though credit line remained the same.

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 2021-02-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with non-monetary relief