vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over XXXX  days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

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 2023-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
The due date was changed without my authorization and now a late fee and overdraft fee will result

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal permanently limited my account and I did not violate any rules. They're also holding my money. I would like this restriction to be lifted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

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 2023-07-23 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: PA

Complaint narrative:
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXXccount # XXXXXXXX XXXX account # XXXX, XXXX  outsourci account # XXXX, Inquiries : cXXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
As a Chase card holder, there is this new " benefit '' called stored cards. This is where Chase somehow decides which vendors should be updated when a cardmember has had to change credit card accounts due to fraud, theft or loss. Mind you, the customer has no input into which vendors are on this list - there are vendors on my stored cards list I have only ever transacted with XXXX time. The issue is there is no path or recourse to the customer to REMOVE a vendor which Chase has decided to place on the list. So not only can I not indicate who I would want on this list- if indeed I actually wanted a list of vendors updated about my having to change cards- but there is no XXXX way for me to initiate having XXXX of the vendors removed. I have no idea what criteria Chase used to decide on the vendors, if the vendors were vetted ... no one even asked me if I wanted this XXXX service, but I am forced to have it and am stuck with it and the vendors that Chase decided should be kept aprised of my financial account changes. I not only don't need Chase making these decisions for me, I don't want it but am told there is no way to remove this " benefit ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: CO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-23 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Per email dated XX/XX/XXXX from XXXX XXXX ( see attached ) the escrow account will automatically terminate in XXXX. 

Per Homeowners Protection Act ( see below ), PMI should stop when the loan balance is 80 % of the original purchase price. 

Per Tax Records and Sales Contract the original purchase price was {$320000.00}. 

The loan balance prior to XXXX was about {$210000.00}. When you divided $ XXXX {$320000.00} that equates to a loan balance that is 65 % of the original purchase price. 

It appears Bank of America has been holding terminating my PMI illegally. Since XXXX PMI should have been terminated. 


Email : Hello XXXX XXXX , You are very welcome. The automatic termination date of your PMI is XXXX  XXXX XXXX. When requesting cancellation prior to that date you're typically required to pay for an appraisal to be completed in order to confirm the property value. This is an investor requirement so it's not something we have the ability to waive or change as we are not the investor ( just the servicer ). lIl submit the request to delete the PM and we will send you a letter within 7-10 business explaining the requirements and next steps to proceed with that process. Once you receive the letter please feel free to contact me if you have any additional questions. 
Thank you, XXXX XXXX Officer, Resolution Specialist Executive Escalations for Mortgage Per below, PMI should have ceased when loan balance is 80 % of the original purchase price. 

The federal Homeowners Protection Act ( HPA ) provides rights to remove Private Mortgage Insurance ( PMI ) under certain circumstances. The law generally provides two ways to remove PMI from your home loan : ( 1 ) requesting PMI cancellation or ( 2 ) automatic or final PMI termination. 
Request PM cancellation You have the right to request that your servicer cancel PM when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. This date should have been given to you in writing on a PM disclosure form when you received your mortgage. If you can't find the disclosure form, contact your servicer. 


TAX RECORD XXXX XXXX Date XX/XX/XXXX Grantor XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Grantee XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sale Price {$320000.00}

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 monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: PA

Complaint narrative:
On Wednesday XX/XX/2023 XXXX XXXX XXXX, Branch Manger ( NMLS # XXXXCorporate NMLS # XXXX ) at CMG Financial in XXXX XXXX South Carolina sent me a link to start the mortgage application process online. I completed the application the day it was received. I then sent a message to XXXX XXXX informing him that it was complete and asking for guidance in adding two co-borrowers to my application. After a week with no response I texted, XXXX XXXX and waited. I sent a text, no response. On XX/XX/XXXX, I sent him an email asking about his health. I assumed, maybe something was wrong with him or his family. After several emails, text messages, and phone calls going unanswered, I call his office receptionist. The receptionist forwarded me XXXX XXXX XXXX supervisor, a XXXX XXXX XXXX. I left a message with XXXX XXXX explaining my need and asking for a return phone call. As of XX/XX/2023, I have not heard from XXXX XXXX or XXXX XXXX, in affect they have " ghosted me ''. 
I submitted personal and financial information to CMG, I would like them to delete my information from their system and send me verification of the removal. 

I don't believe a reputable company would behave in the manner that these two have. Therefore, I have elected to not do business with them and want anything I have submitted removed from their data banks. I can't trust these people nor this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I filed a claim with Bank of America about dispute an XXXX transaction and I told them I dont authorize this transaction And I have paper say my phone was hack And they deposited my money back into my account but after one week they put my account minus - {$10000.00} I mean they charged me the whole amount they was deposited into my account and my account balance now still ( - {$10000.00} ) So Im tired fix this with my bank and I really need help Please help me out Thank you so much!!

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 2023-07-23 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: CO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 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: PA

Complaint narrative:
TO Whom it may concern : I recently received a copy of my Experian credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX has violated my rights. 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 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. 15 usc 1681 I ( 5 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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 2023-07-23 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I have never heard of Patriot loans  and have never applied for one with that company yet they have over 5 inquiries on my credit report and its damaged my credit report. I reported the fraud to the credit agencies and they said I have to contact the company individually and I did. They have refused to remove the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: CO

Complaint narrative:
Lien on car title has not been released even though loan paid in full. Please send lien release to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX and email lien release letter to XXXX. Lien information on title : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX. This is the Speedy Cash location.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP

Complaint narrative:
Please find the brief details of the complaint made before the U.S.Bank attached. Having send this on XXXX of XXXX I still didnt get any response from the U.S.Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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:
I HAVE TRY TO FIX THIS DATA INFORMATION WITH TRANSUNION CREDIT REPORT WITH THEM THEY WILL NOT FIX MY SCORE ALL THE DISPUTE I PUT IN THEY NEVER ANSWER NOR JUSTIFIED ABOUT THE DATA BREACHES ON MY CREDIT REPORT THEY CONTINUOUSLY LET CREDIT COMPANIES RUN XXXX INQUIRIES AND SOFT INQUIRIES ON MY CREDIT REPORT THEY DO NOT STOP OR DO A SECURITY CHECK ON THIS MATTERNOT ONLY THAT TRANSUNION CREDIT AGENCY STOP OR BLOCK ME OFF FROM SEEING MY CREDIT REPORT ONLINE I HAVE TRIED TO MANY TIMES AND ALSO WENT ANNUAL CREDIT REPORT ONLINE I REQUESTED FROM TRANSUNION, ANNUAL CREDIT REPORT ONLINE THEY REFUSED MY REQUEST TO VIEW MY CREDIT REPORT THIS HAS BEEN GOING ON SERVER YEAR AND MONTHS WHERE THEY HAVE BLOCK ME FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Burke Moore Law Group, LLP
State: GA

Complaint narrative:
According to your correspondence on the last case a letter was sent to me about this debt in XX/XX/XXXX, However, to my knowledge, I have not received any such correspondence. The only mail I received from Burke Moore Laws Group is the letter from XX/XX/XXXX As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting written verification of the debt in question before proceeding with any further actions. Kindly provide proper verification as required by law. 

I urge you to investigate the alleged mail you claim to have sent, as it has not reached me. Until proper verification is provided, I appreciate that you chose to cease all collection activities related to this debt on XXXX XXXX. 

And upon seeing the alleged letter I have not received, I would like to kindly request that you have a lawyer review the details of the alleged debt to ensure its accuracy and legitimacy before proceeding with any collection efforts. 

Additionally, I am also requesting copies of the original contract related to the alleged debt, as well as any agreement or contract between your agency and the original creditor, to ensure the validity and accuracy of the debt 's details. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: AL

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
My doctor note when I when I got back from the hospital, Man, Ive been working XXXX hours a week remember how do you know a working man thats all I do is I return from the hospital and then I get one of my supervisor and I dont know if before, and after that, my XXXX XXXX XXXX and mid Florida XXXX I got XXXX police

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief