vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
Flagstar Bank is refusing to cancel my PMI ( Private Mortgage Insurance ) from my mortgage. Flagstar  valued my home at {$280000.00} and it currently has a loan-to-value of 80 %. 

Today XX/XX/XXXX, I received a letter form Flagstar that stated I need to have a loan-to-value of 75 %. The Homeowners Act of 1998 states a mortgage company should cancel PMI upon written request and having a loan-to-value of 80 %. Even with that knowledge Flagstar is refusing to cancel PMI.

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 2022-08-22 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: MO

Complaint narrative:
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I reached out to XXXX in regards to an account that does not belong to me. They have continuously denied my dispute requests even after sending in personal identification documents to verify the account. This account does not belong to me yet they continue to report it on my credit file. I have disputed this account with Equifax numerous times and they continue to verify it as accurate however upon reaching out to XXXX, they are reporting an address and name that does not belong to me nor shows up on any of my credit files account. I reached out to XXXX and requested proof of ownership of this account, however XXXX was not able to provide this proof of ownership. They were not even able to send a letter back stating that they can not provide proof of ownership. When I contacted them, they claimed that it should've been mailed to my address on file. This is blatantly idiotic because I have disputed that the information they have on file does not match up with my personal information, so clearly I would never get letters about an account or dispute decision to an address that doesn't belong to me. I have contacted XXXX numerous times and they refuse to remove this account from my Equifax credit file even though my personal information shows that the account doesn't belong to me. I disputed this same account with XXXX and XXXX and it was swiftly removed because it doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: NC

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

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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 non-monetary relief
Consumer complaint received 2022-08-22 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: NC

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

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 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: TX

Complaint narrative:
I went to the dealership on XXXX XXXX and applied for a car loan from XXXX XXXX XXXX XXXX, and they stated they would be the only company to run my credit. However, I got a copy of my credit report and there are several inquiries from other companies that I did not authorize to check my credit report. I also did the same process on XXXX XXXX with XXXX XXXX XXXX to obtain a car loan, they stated only their company would check my credit and there were several companies that checked my credit resulting in several credit inquiries. I have tried to contact the companies and the credit bureau to have them removed but they refused to remove them.

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 2022-08-22 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: MO

Complaint narrative:
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.

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 2022-08-22 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: MO

Complaint narrative:
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me! This account is not mine.

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 2022-08-22 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: AES/PHEAA
State: PR

Complaint narrative:
I have an outstanding student loan with Fedloan Servicing, and all information is wrong and repeated, the same account appears 3 times, Fedloan Servicing, US Department of Education twice. it says the original creditor is XXXX XXXX XXXX. all three have wrong information, and I only had one student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
This is not my account. This account was never mine. This account is not my responsibility. This is both incorrect and offensive to me! Someone else owns this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I received a notice from I.C. Systems Inc. on XXXX claiming I owed an alleged debt in the amount of XXXX I responded to the notice through certified mail with return receipt for my evidence, I never received a response back according to the FDCPA this company had 30 to 45 days to respond which I.C. Systems Inc. failed to do so, I wrote them a second time still no response this is a direct violation to my consumer rights also they were supposed to stop all collection activity and reporting to the credit bureaus until they could verify the debt with a contract bearing my signature and other forms of documents. Which they continued to do without my written consent according to the FCRA 15 us code 1681b that's another violation permissible purpose. I am in my legal rights to counterclaim against I. C. System Inc. for up to XXXX for each violation.

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 2022-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Wire transfer on XX/XX/XXXX from CitiBank to XXXX Bank XXXX XXXX and due to account error, modified on XX/XX/XXXX. The recipient did not receive the fund so i contacted XXXX relationship manager ( we were XXXX travelling ) and got an email which was wrong information from Citibank wire dept. that we have until XX/XX/XXXX to modify. on XX/XX/XXXX back to USA and contacted Citibank Wire Dept. and service rep named XXXX told me that the fund already transferred back to Citibank and it will take 7 days to credit back to my account. Wrote an email to the relationship manager who provided the wrong data and said she was temporary helped out while our representative is on vacation. Also told me that she will investigate this case and get back with me. no words from her. patiently waited til XX/XX/XXXX ( as 7 days waiting time from the wire dept ). On XX/XX/XXXX still had no fund deposit back then call Wire Dept again, this time a service rep named XXXX told me that yes the money is sitting in Citibank and will check the status and get back to me. No words from XXXX. Call XXXX ( the temp relationship manager ) and asked her to help. she sent an email to me and said Wire Dept is working on it and needs at least one to two days to deposit the fund back. Asked us to wait til Monday. Today Monday XX/XX/XXXX. Still don't have the fund, called and send email to XXXX asked for status, got an email from her and said needed 2 more days???? I do not understand what is the issue here. All i want is my own money credit back to my account. Is this that hard?? This is a fund of over XXXX and it is sitting in bankCitiBank but it is my money. doesn't seems like i am able to get an answer from anyone as to WHEN can i expect my own money, How can they treat their VIP customer this way. Do not promise something if can not deliver. I need my money back please. Oh, i can not even get a manager to return my call!! Citi, you have a very upset customer here. I need to know when PLEASE!

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 2022-08-22 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: MN

Complaint narrative:
I have not used my reports from XX/XX/2021 I have 10 inquiries on my record that I did not authorize anyone to try to apply for and I have two collections on my record that I do not use by anything I have internet service from XXXX XXXX phone company I do not have a tv I did not authorize any information on this report it is all fraud and I need them to delete this immediately

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 2022-08-22 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: NY

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

15 U.S.C 1681 section 602 Ay 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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/22 I deposited a {$9400.00} check from XXXX into my checking account. My account balance before I made the deposit was approximately {$3100.00}. Later that evening, I attempted to use my debit card but the transaction was denied, stating insufficient funds. I went online to look at my account, and Wells Fargo had put a hold of {$18000.00} on my account ( twice the check amount ), taking my balance to approximately - {$6700.00}. I called Wells Fargo at XXXX to ask why they would hold twice the amount of the check. The first gal I spoke to was unable to give me any information, so I asked to speak to a XXXX. XXXX XXXX came on the phone and the end result was that it " was just part of the process '' of depositing a check. I told him I was hoping it was a mistake, but he insisted no mistake was made and it was just part of their process, and that it was something that could possibly happen again in the future. I've never encountered that in all my years of banking, and I would like to know how or why they are allowed to keep me from my money like that. I understand a hold on the check for the check amount, but not double that amount. I read through my Deposit Account Agreement for Wells Fargo and I can't find anything in there that refers to holding twice the amount of a check.

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 2022-08-22 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in XXXX buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, XXXX, XXXX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. 

PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. 

XXXX XXXX Acct # XXXX Navy FCU Acct # XXXX NAVY FEDERAL CR UNION Acct # XXXX NAVY FCU Acct # XXXX XXXX XXXX XXXX Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 

15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than XXXX business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. 


I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called the Equifax fraud department about my report not showing up in XXXX XXXX report platforms and nothing is updated. XXXX of my phone companies attempted to do a soft pull on my credit but they said the report says that there is " no available score '' the I called today, the agent from the fraud  department told me that my name has been blocked on my report, the reason is I have a namesake but different spelling of the last name, this is a discrimination of my name and stereotyping, its because I have the same name and the last name is not even the same mine, they will block my name causing my reporting from my creditors are not being updated and caused my credit score from dormant. This is not the first time that Equifax did this to my name, this is the second time that made an issue with my name and took all XXXX points away from me a few months back. I want them to remove the block XXXX my name and other associated information other than what has been updated in my personal information. everything that was added to the internal record should be removed from the profile so that I will be able to see my updated report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/XXXX, I logged into my USAA account and noticed that my accounts did not look right. I looked and had close to XXXX jn checks withdrawn from an XXXX XXXX in Iowa. I called usaa right away and reported the fraud. A claim was started. The next day I was trying to figure out how to change all of my login information and stumbled upon that they were set up for bill pay on my account. I deleted it and notified usaa right away. The following week I had cash moved from my small town back to usaa, I did not do that. I do not keep thar much in that account very often. I called usaa and notified them. After that all of my stuff had now been changed. At this point still no resolution. I called again and ask the usaa staff member if they could tell me what or who or where someone is logging into my account. They told me that a XXXX phone or something describing my XXXX phone and someone with an XXXX using thumb technology to log in. I told them right there that we don't have XXXX  XXXX XXXX, wr have all XXXX. I kept calling several times to see what j could do to help to get my money back as I have XXXX in my household and this money is not simple money for this large of a family. It also overdrawn my usaa checking account which why would I spend XXXX without moving money or even have an XXXX. Come this Sunday, I got an email of denial with no fraud activity and to reach out to the person I paid to get my funds back. I called them right away and put in for a review as I again explained that I didn't do this. Looking at the memos in the checks again it says rente and down payment. I don't live in Iowa or have ever and have only driven thru Iowa. I even got asked by a usaa staff member if I gave it out to anyone. Like yeah I am walking around XXXX ks saying who wants my login information to steal all of my money. How does this make any sense to the person that declined me and usaa ks currently doing another review but how can I after 11 years and they treat me this way belive anything will go correct. I have talked to a lawyer to see if I can do anything and a police officer who said if needed to do so we could do a police report. I have sense offered to do a signed affidavit, like I will drive to XXXX XXXX and do it in person. My identity has been hacked thru usaa and have got no help. I signed up for XXXX today to see if they can help and rhey told me to do a ftc stolen identity and lock my credit file. Please please please help me. I am a father with a family of XXXX who is desperate for help witb usaa. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I was approved ( XXXX of XXXX ) by the XXXX  for 18 months of forward payments. Despite being told this, and also being told that the payment was sent to my lender, the payment for XXXX was not applied to my account on the due date of XX/XX/XXXX. I then called and emailed whomever I could at all organizations trying to figure out when the payment would be applied, as its now past the due date and was just sitting there unclaimed. 
My issue is that my lender, XXXX XXXX  has these funds sitting and no one that I have spoken to at the company has any knowledge of the program, or how to then apply these funds to my account. I am sure there is someone at this company who knows what the program is and how to apply the funds, but I can not contact them or get through to someone knowledgeable enough to help. 

I was approved for the companys listed below and havent received a single payment from any of them. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I applied for this program because I desperately need the help. Now XXXX finally approved after a struggling wait of 6 months just to know that payments arent being sent on time which now causes another problem of my credit tanking. Can you please help? 

Thank you

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