vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 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: FL

Complaint narrative:
I received a copy of my credit report and found the following error still remaining on my report. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Experian Credit bureau is currently still reporting XXXX XXXX inaccurate account on my report, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX and XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

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 2022-09-19 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: VT

Complaint narrative:
My identity was stolen. Someone unfroze my Experian credit file and opened bank accounts at XXXX  XXXX XXXX XXXX on XX/XX/2022. XXXX  XXXX XXXX XXXX said the person has my social security number and a copy of my passport. The accounts have been closed, police report filed, credit file refrozen, form filled out at identity theft.gov. Can not get connected to a person at Experian to ask how the credit file got unfrozen. Working on canceling passport.

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 2022-09-19 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: IL

Complaint narrative:
On XX/XX/2022 I disputed the following account XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), Address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I requested that Experian and XXXX to removing the following accounts from my consumer report as they have violated 15 USC 1681 ( b ) by reporting the following accounts without permissible purpose. I am also requested Experian and XXXX remove the following information from my consumer report within 15 days! XXXX has yet to respond to my dispute.

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 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX USAA Savings Bank XXXX XXXX XXXX XXXX Re : XXXX XXXX  XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I have a {$6600.00} charge-off. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I reached out in XX/XX/2022 online to Huntington National Bank to inquire about PMI removal. I never received a response. I then called and was told that to begin the process I will need to get a certified appraiser to perform an appraisal, then mail it in and they would review my account. I hired an appraiser on XX/XX/2022 and had an appraisal done for {$450.00}. I then called back to inquire where specifically the appraisal should be sent and was given an address for the mortgage department. Again, this seemed normal process, the agent said ok mail in your appraisal and we will review your account. I received a call on XX/XX/XXXX, along with a letter in the mail, stating that I can only have PMI removed through an internal appraiser which is {$150.00}. I am now refusing to pay this because I shouldn't have to- I was advised incorrectly to order an outside appraisal which ultimately cost me more. I will not pay an additional {$150.00}. Huntington either should honor my certified appraisal or pay the {$150.00} charge. I also want PMI removed for any additional processing time this has caused on their part. 

I filed an internal complaint with Huntington Mortgage. The customer advocacy group then called back on XX/XX/XXXX saying that they will not cover the {$150.00} internal appraisal needed. This is predatory banking. I could not get a clear answer on how to get PMI removed and there is no clear process outlined on the website, which is what caused me to pay the external certified appraiser along with their incorrect guidance. My current appraised value is roughly XXXX XXXX more than what I paid for the home and the loan to current value is clearly high enough to remove PMI, but they are giving me the runaround. I should not have to pay additional money to hire their internal appraiser after they incorrectly told me and their website states nothing of this. If they ask for an internal appraisal now, they should cover the additional charge. Of course they have no incentive to remove PMI and there is no clearly outlined process for what a consumer should do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX 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 I also have some hard inquiries on my experian report that I didn't authorized. 


XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date 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 explanation
Consumer complaint received 2022-09-19 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: CA

Complaint narrative:
Reporting Agency did not COMPLY with my request

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 2022-09-19 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: OneMain Finance Corporation
State: WI

Complaint narrative:
I Have a hard inquiry on my report from a company I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have banked with Citi for more than 25 years. In late XXXX of this year, I deposited a check I received for some consulting work. It appears that the check was fake. Even though I was a victim here, Citi froze all my funds, more than {$70000.00}. The bank has refused to allow me to close the account and has refused to allow me to withdraw my funds. I have made numerous efforts to get an explanation for why my funds were frozen, and I have made numerous efforts to get the bank to release my money. Citi has refused. Furthermore, Citi has refused to tell me why my accounts were frozen. As a result, I have suffered serious ongoing hardships. 

Please help me.

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 2022-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I met with the Vice President of M & T Bank at XXXX XX/XX/XXXX who is recommended by the Advisor of Maryland XXXX XXXX XXXX to get some business loans to start up my business. But I was told that I cant get the loan because my business had no sales and no income before. 
My business is a XXXX XXXX XXXX XXXX to solve the issues of XXXX XXXX XXXX XXXX XXXX which are granted patents in the USA, XXXX, XXXX and pending in XXXX, XXXX, XXXX and XXXX. 
I have also met the Director of The XXXX XXXX XXXX XXXX on XX/XX/XXXX after the XXXX evaluated my invention XXXX  and was told the XXXX will support me. 
It took many years and lots of money to develop and patent my business project and now is almost ready for manufacturing and marketing because I have developed worked prototypes successfully. 
But the Bank refused to give me a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
Escalation for Flagstar not honoring modification with interest rate 3.25 % Flagstar loan # XXXX Housing Counselor XXXX XXXX XXXX XXXX HUD Certified Senior Housing Counselor ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX x XXXX Fax XXXX XXXX Issue : Homeowner has an executed recorded modification with an interest rate of 3.125 % that was recorded on XX/XX/XXXX that Flagstar is not acknowledging and appears to be charging 5.25 % interest to XXXX XXXX XXXX. 
Note : Flagstar has not honored XXXX XXXX HUD approved authorization deterring the assistance of a housing counselor. XXXX had to conference in XXXX numerous times to authorize and sent in the authorization numerous times. 


Note : there were a lot of issues to finally remove the deceased husband of XXXX, XXXX XXXX with approximately 4 sets of documents being sent for signature and has finally been successful. Each set of documents were different with partial claim or a combo ALM recovery modification and different interest rates that finally resulted in just a stand alone partial claim as XXXX had been requesting all along because she could afford to resume the payments and she wanted to preserve her interest rate of 3.25 %. 

Attachments : *Executed modification recorded on XX/XX/XXXX with 3.125 % interest rate *Executed partial claim recorded on XX/XX/XXXX from a work out for an FHA covid  forbearance *Mortgage statement dated XX/XX/XXXX Summary of events : XX/XX/XXXX Flagstar does not have XXXX authorization on file for the 4th time. XXXX spoke with supervisor XXXX who advised to email it again and to send to XXXX XX/XX/XXXX Flagstar found XXXX authorization on file & XXXX in loss mitigation spoke with XXXX. She sees the XX/XX/XXXX recorded modification with 3.25 % rate. Escalated to supervisor XXXX who now understand the issue. XXXX sees the previous escalation that was not previously escalated and will escalate again. 
XXXX said that past charges were based on the 5.25 % interest rate and will get it corrected. 

XX/XX/XXXX XXXX spoke with XXXX who said that the executed modification from XX/XX/XXXX with 3.25 % interest is what the homeowner has been charged and has not been overcharged. 

XX/XX/XXXX spoke with XXXX who said the interest rate jumped to 5.25 % and that there was another modification showing 3.25 %. XXXX is submitting to processing and borrower is being charged 5.25 % rate. 

XX/XX/XXXX Spoke with XXXX  who has the recording # XXXX for the XX/XX/XXXX modification so she escalated to her supervisor. 2nd time to escalate from XX/XX/XXXX. Supposed to be resolved by XX/XX/XXXX but never was. 
Note : each call takes at minimum 1 hour having to explain it with each transfer.

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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The Wells Fargo Bank said they are going to close my account on the XXXX, I had {$5000.00} in the checking account and they have not stated why they are closing the account. Am currently in XXXX using my card and if it closes I wont have access to any funds.

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 2022-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
An ad was placed for a musical instrument that I was interested in. After many communications, the seller gained my trust and requested a down payment to hold the item for a few days when I could go and pick it up locally. I made a payment of {$100.00} using XXXX through my Chase banking account on Saturday, XX/XX/2022. The seller then stopped answering my communications and blocked my cell phone. I immediately called my bank ( Chase ) and requested that they stop the payment which appeared as " pending '' on my statement. They said they were unable to do so and sent me to their fraud claims department. After I was transfered, they were unable to make a formal fraud claim with XXXX and told me I had to do it myself. I then had to call Chase for the third time to get a transaction number in order to file a claim with XXXX, at which point I received a generic email in return with no indication that I'd get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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

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

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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022 we ordered online tickets for XXXX XXXX which totaled {$1000.00} for our family. After doing the transaction we found that we would not be allowed to choose seating until the day before our trip. We have daughters XXXX, XXXX and XXXX we have to be near them on a flight and not next to strangers. It also stated we couldnt have carry on luggage. So after realizing the above after placing the order we called about 35 minutes later to cancel. The first man we spoke to wasnt helpful at all and advised the whole trip was non refundable. I asked for a manager sat on hold for 50 minutes and then the line disconnected. Called Bank Of America to start the dispute process. After speaking with BOA I again called XXXX and reached another man named XXXX who was a little better in demeanor. Issue is he only wanted to refund {$850.00} stating the support bundle of {$140.00} is considered consumed and non refundable. The support bundle purchased according to their website is fully refundable within a 24hr period thats why it was chosen for the just in case situation. I advised XXXX of what their website states he then repeatedly asked if we purchased the bundle. He was able to see that we did but continued to state the {$140.00} was non refundable. I advised that I was not satisfied with this but to go ahead and refund me the {$850.00} and I would challenge the remaining balance. I have asked my credit card to reopen the case they unjustly closed because according to BOA they were told something different and when she compared information that I retrieved from their website its very muted and is conflicting in their wording. They need to be honest and honor what their website states and stop being dishonest. I didnt make a mistake here its in black and white. My issue is also with Bank Of America because they provided me a letter after 3 months stating they could not intervene with a merchants return policy? How is this possible when as a credit card they are supposed to protect me. It is clear that whoever first reviewed this situation did so loosely. I didnt make their policy up. Again had this not been provided by my job I would have never come across XXXX as a company. Their practices are deceptive and Bank of America is not supporting me as a consumer. If this were XXXX XXXX or XXXX this would have been resolved based on all the information provided. I have excellent credit and I intend to keep it this way. I should be responsible for payments that I owe not for a dishonest merchant who is looking to dupe consumers out of hard earned money,

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