vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I called Truist Customer Service to request my PMI payment be removed. I had received correspondance from Truist and other lenders stating that my property value had increased and was able to take cash out of my home. I DID not want cash out but to me this meant that my PMI could be removed. The customer service representative instructed me to submit a request via their on line Chat option which i did on XX/XX/2022. On XX/XX/XXXX I received a letter from Truist DECLINING my request stating I did not have 80 % Loan to Value. However, the letter stated they had completed an AVM and the AS IS Value of my property was XXXX my unpaid principle balance was ~ {$520000.00} which means my LTV is 68 % which is WELL below 80 %. The letter for the decline said my LTV was 92 % ... the calculation did not add up. I called customer service, was on hold several minutes, she validated the letter and the AVM and Unpaid principle balance noted in the letter and recommended I send an email dispute to " XXXX '' I sent an email as directed. On XX/XX/XXXX I received a more than rude reply that stated " there is nothing to dispute '' and told me I would receive a letter, which I noted in my email that I had already received and was disputing... a copy of the email correspondence is attached to the bottom of this form complaint. If it were not COMMON knowledge that the average property value in the US has gone up 40 % and even more in XXXX XXXX XXXX where my property is, then I could see maybe they would want to do a BPO, however, the value in the AVM is more than sufficient to prove my property Loan to value is substantially less than 80 % ( the AVM is as is value ) Not only is the customer service unacceptable, the lack of accuracy prior to sending me the letter is unacceptable. Bottom line is my property is LTV is substantially less than 80 %, my investor is XXXX and this is clearly an abuse of my rights to have the PMI removed.

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 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent in a letter to the company requesting several accounts to be verified, updated or removed that were reporting to my credit. These accounts, are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts and also inform me of the outcome of their investigation. Furthermore, the company did not update the inaccuracies reporting to my credit file. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/or removal of these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a credit card with JP morgan chase. One day I suddenly found they charged me for two transactions : one is {$1500.00} and the other one is {$500.00}. I called them and they said that were balance transfer offer for me, without my permission. 

Chase initialed these unauthorized balance transfer and charged me 4 % transaction fee. I asked them to reverse these transations, but the operator keeps saying they need me to do this. Why I need to do anything if I never authorized these transactions? Chase is very suspicious to make money from client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-23 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: NV

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: CA

Complaint narrative:
I did sent correspondence to Equifax and XXXX regarding the false reporting of this account ending in XXXX by discover. I sent a letter to the credit reporting agency that the creditor sent to me where it clearly shows the a major error of inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a Chase Freedom XXXX credit card. On XX/XX/XXXX, I booked 2 flights using their travel purchase portal. Trip IDs are 1 ) XXXX and 2 ) XXXX. Unfortunately, I broke 2 ligaments in my right foot because of which the doctor told me that I can not travel. So, I contacted Chase regarding this on XX/XX/XXXX. The customer care lady told me that since I made payments using my reward points, I will get the points back. However, I never got them back. 

Today, on XX/XX/XXXX, I called them back and none of them acknowledged this. They kept forwarding me to different departments and kept me on hold for over 5 hours ; without resolving the issue. They kept on re-iterating their standard refund policy that comes with the card and that I already knew about ; the 2 options being : 1 ) either file a claim online or 2 ) get airline credit that I will have to use in a year plus a rebooking fee of XXXX $ per trip ( making the credits essentially useless ). 

However, they were not able to help me with getting the reward points back which to me is the most convenient option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My personal Information is being shared through the dark web in many different ways. My dob, ss #, old address, phone, old bank info, and my email. I have aggressively attached from information from 10 years ago. I've worked so hard for weeks to track down many different sources. Cash Net USA has an account on me from 10 years ago. They told me they sold my information to XXXX XXXX XXXX who then sold it to XXXX XXXX who told me it's on a " shelf ''. A few weeks ago XXXX XXXX XXXX  contact me about a loan in my name which I did not request. I had to file a police report # XXXX. I have been getting fraud calls up to 20 a day. a company called me from NY called XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX. Registered with the sate of NY as a business. Very NASTY! Had all of my info from Cash Net USA. Demanding my debit card for payment. XXXX XXXX XXXX XXXX has just emailed me the loan that was summited in my name with old info that I NEVER filled out after I sent them a copy of my police report. I'm so terrified. I have purchased prime life lock protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX 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

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 2022-05-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose

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 2022-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems
State: TX

Complaint narrative:
I have no clue of the date of alleged transaction. I have no clue of the services rendered, because I've never physically been to the alleged establishment, to look over, sign, or agree to any services. I have not gotten documentation, explaining the alleged charges. A red flag, to me, just looking at the amount, which is flat ridiculous. How do expect an individual to pay for something that there are not even aware of. I don't know how, anyone can total up those kind of charges at an XXXX  clinic. There is no way, I would agree to any type services like that knowingly. To add insult to injury, I don't get contacted at all, to at least give a FAIR chance to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: CA

Complaint narrative:
I have been trying for several months now to repair my credit and my letters sent to the credit bureaus have been ignored. 

My credit report reflects many accounts that are being reported incorrectly, such as last date of activity, late payments, balances. I have the right to a fair credit, to be correctly reported in the 3 credit 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 2022-05-23 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: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/XXXX, I called PNC to inform them that the account they have reporting to my credit report was opened fraudulently. I spoke with someone named XXXX and she gave me an address to send my police report and FTC affidavit. I did so the next day but haven't heard back. I am attaching it here because I need this issue resolved and the account removed from my credit reports immediately because it is both fraudulent and affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was made aware ( XX/XX/2022 ) today that XXXX XXXX XXXX  made a hard inquiry into my credit report with Transunion on the same day. I did not authorize this inquiry and when I spoke to XXXX a representative of XXXX to dispute this action because it did in fact lower my credit score I was told those dispute can only be resolved via regular mail. She further stated I would have to send documents stating my reason for deletion of the inquiry. The only document I could possibly send would be a letter stating I didn't authorize the inquiry. The burden of proof falls to person saying there is an issue and not to one who did the action. Further more the practice of requring someone to use the USPS is discrimination against people in the transportation industry which, in turn further victimizes them and then exposes people to covid ( unnecessarily hanling papers and documents from random people ) an issue that can be resolved and disputed via online or over the phone. I am an XXXX XXXX XXXX XXXX XXXX with no access to printers or a mail box. I am away from home for months at a time. I made Transunion aware of a bank requesting my credit report without my consent and they refused to investigate it and are making it virtually impossible to resolve, but reduced my credit score for something I didn't do.

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 2022-05-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usa 1681. XXXX  Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$650.00} Account # XXXX  XXXX  XXXX XXXX {$380.00} Account # XXXX  XXXX XXXX XXXXXXXX {$350.00} Account # XXXX XXXX XXXX XXXX {$320.00} Account # XXXX XXXX XXXX XXXX XXXX {$380.00} Account # XXXX XXXX XXXX # XXXX {$540.00} Account # XXXX XXXX XXXX # XXXX {$470.00} Account # XXXX XXXX XXXX  XXXX {$330.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX {$350.00} Account # XXXX  XXXX XXXX XXXX XXXX # XXXX {$320.00} Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$450.00} Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$640.00} 15U.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 state 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 explanation
Consumer complaint received 2022-05-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX 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

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