vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 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: OH

Complaint narrative:
I have XXXX recent hard inquiries on my credit report that I didn't make. 
They are : Inquiry details XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX ( Hotel and travel ) XX/XX/2023 XXXX XXXX  ( Bank ) XX/XX/2023 XXXX 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 2023-08-10 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: LEXISNEXIS
State: IL

Complaint narrative:
I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by LEXISNEXIS and XXXX I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by XXXX and SAGESTREAM I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
EQUIFAX, XXXX XXXX XXXX RE : XXXX Acct # XXXX This is my XXXX time disputing the inaccurate information on my consumer report. Equifax are you exercising your grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In my dispute, I specifically requested that you conduct a reinvestigation into the accuracy of the below item, as provided under the FCRA. You have failed to do so. My consumer report is still containing false and defamatory information, and that you refused either to correct or delete the information in my consumer file after I notified you of the inaccuracy. 
My dispute is update to paid on time because I was not 60 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: MD

Complaint narrative:
XX/XX/XXXX : Discover allowed a payment to be processed by XXXX XXXX XXXX in the amount of {$260.00} even after a stop payment was put in place by Discover at my request for all payments initiated by XXXX XXXX XXXX as of XX/XX/XXXX. This stop payment was supposed to stop any and all payments ranging in amounts from {$1.00} to {$30000.00}. When I called to fight the processed payment, Discover said that a stop payment didn't really mean anything and that they could not guarantee that future payments wouldn't be processed. They refused to honor the stop payment and reimburse my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10 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: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-08-10 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: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-08-10 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from M & T bank has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: CT

Complaint narrative:
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 {$920.00} XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX I been disputing these fraudulent inquires and accounts since I discovered I was a victim of identity theft. Nothing is being done. I never did business with these companies nor have any knowledge of them. I didn't give these companies permission to use my information. I have filed in person police reports. I believe it might be a family member using my 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 explanation
Consumer complaint received 2023-08-10 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: VA

Complaint narrative:
I am refilling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are still reporting on my credit report and no further actions have been taken. I have filed an FTC report again which I included here with report number XXXX for your reference and as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: DE

Complaint narrative:
I have recently reviewed my credit report and noticed several inaccurate items on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am XXXX XXXX XXXX a XXXX XXXX  at the XXXX XXXX XXXX. I opened a checking account in Chase Bank on XXXX XX/XX/2023. Chase Bank had offered that If I enrolled for the direct deposit within 90 days, I would get a bonus of XXXX XXXX I enrolled for the direct deposit on XXXX XX/XX/2023 which is before the validity of 3 months but my check got deposited into the account on XXXX XXXX because of some issue between the bank and the university. Chase Bank claims that I won't be getting a bonus since the check git deposited after the validity. I feel this is unfair since I was just asked to enroll for the direct deposit within 90 days no matter when the check gets deposited. I request that some action be taken against them. I called them multiple times but the bank is not responsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10 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:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion to XXXX that these inquires are reporting incorrectly Never gave permission to hit my credit.

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 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket Mortgage is charging me PMI insurance. 
They refuse to take it off. 
I was told at closing that the PMI would drop off once I was at 20 % equity. 
My house was recently appraised at $ XXXX and I owe $ XXXX. 
The appraisal on the house at closing was XXXX so even at this appraisal amount I am at 20 % + equity in the home. 
Rocket Mortgage then said that if I got an updated appraisal that the PMI would then drop but they canceled the XXXX with no explanation. 
Today the rep said that I have to pay PMI until XXXX. This is so ridiculous. And they said that I signed on for this which I can tell you I did not. 
I was told once my payments put me over the threshhold that it would automatically drop. Rockert mortgage said today that that was wrong and that I should have been told that. 
Why am I paying PMI when I'm at 50 % equity in my home at this time. 
Rocket now said that I have to get them a letter with receipts on all the improvements I made along with an Appraisal and Maybe, just maybe they will drop the PMI and if not I am locked into paying PMI until XXXX. 
This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
First and foremost, I used XXXX ( which is a part of Citizens Bank ) for my student loans. Back in XXXX of 2023 I used Citizens Bank to refinance my loans. When they sent the money they didn't send me the right amount of money, they were about {$7000.00} short and I was not aware of this. I received an email about two weeks ago saying I had a missed payment on my account because I thought there was no balance. After speaking on the phone with the bank, they told me they found the error THEY made and they were going to fix it and it's been two weeks since that conversation and I haven't heard anything. I have called every other day asking if they have done everything and they've told me the same exact thing every single time that they're waiting on upper management to approve the new money with the new loan and that they would get back to me in 24-48 hours. I am running out of time and on Tuesday, XX/XX/XXXX, my payment will be 30 days late and I am going to have to pay {$600.00} for an inexcusable mistake that Citizens Bank made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI
State: NJ

Complaint narrative:
Validated my privacy by calling another person on my behalf. By contacting my estranged mother she is now aware that I am in collections. This is private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I am writing to inform that WELTMAN, WEINBERG & REIS CO., LPA is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including WELTMAN, WEINBERG & REIS CO., LPA. WELTMAN, WEINBERG & REIS CO., LPA decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
An old address on my credit report is being reported. Please delete the adress XXXX XXXX XXXX XXXX XXXX, FL XXXX 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 explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has not corrected my city as it appears on my license.

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 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX i got a bunk bed from some place on credit they sold my debt on XX/XX/XXXX. I have had this removed off my credit report. All of a sudden i got served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
B of A Cash Rewards Program I received a Credit Card from BofA in XX/XX/2022 which offered a {$200.00} refund on purchases if I charged {$1000.00} within 90 days - I called Customer service in XXXX to ask when I had to meet the {$1000.00} thresh hold and I was told since I hadn't used the card up to that point, I would have until XX/XX/XXXX to receive the {$200.00}. I called in XXXX and asked again when I would need to meet the {$1000.00} threshold and I was told again 'that I would have until the ed of XXXX. I called on XX/XX/XXXX and I was told the {$200.00} credit would be applied at the end of XXXX. 

I called XX/XX/XXXX and asked why the $ XXXX t had not been applied to my bill as promised, and was told that an extension had not been granted. In XXXX I called and ask for a Customer Service Supervisor and was told the same thing even though I had again gone through the scenarios of what I was promised. On XX/XX/XXXX I received a form letter stating I did not meet the requirement to spend {$1000.00} within 90 days, which I would have done had I been told in XXXX and XXXX that was what I needed to do. 
I feel this was a " bait and switch '' situation and see that BofA has been sued for doing this to other consumers.

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 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Initial mortgage was taken out XX/XX/XXXX in the amount of XXXX. We have been making timely payments since that date. Our servicer has changed from Conseco, to XXXX, XXXX XXXX, and finally to Shellpoint. During this process we did go through a deferment for 5 months from XX/XX/XXXX to XX/XX/XXXX. Once completed we paid ourselves current. 
I contacted Shellpoint for documents pertaining to our deferment, however ; Shellpoint insists they do not have any records of a deferment ( the deferment shows on the statement ) or the payment of brining the mortgage current. We still got nothing from Shellpoint, they keep telling us they will send but we have not received, and it has been > 6 months. 
I contacted Shellpoint regarding the amortization schedule, they said they did not have that either. According to a Mortgage professional, when we went to refinance the home, she didn't understand 2 things. 
XXXX why after XXXX of payment on $ XXXX we still owed $ XXXX and XXXX. Why the amount of interest being paid each month fluctuations greatly. Just last month the interest payment was XXXX. This is after paying for XXXX. 
My Mortgage analyst shows that we should be somewhere between $ XXXX $ XXXX. XXXX as of XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation