vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
So this case is a bit complicated but apparently I was approved for a VA CARES Act loan modification last XX/XX/XXXX but Caliber Home Loans never told me. I had promptly completed my application in about XX/XX/XXXX in response to Caliber 's written request for such documents. They apparently sent the approved modification paperwork to my then former attorney 's ( old ) office address without my consent or agreement. I had been communicating with them directly for my application so I have no idea why they did this. Because Caliber did not identify the attorney 's name or even firm name the mail was never forwarded to him and likely was returned to Caliber. I contacted Caliber by email on XX/XX/XXXX at XXXX to the same email address Caliber and I had been communicating previously ( and Caliber asked me to use ). I never received a response to my email and assumed my completed application was still in process. Later, Caliber wrote to me again at my former attorney 's ( old ) office address without my consent or agreement again in the Fall saying my modification was denied but I and my former attorney never received this correspondence either since it was sent by Caliber to the wrong address with knowledge the address was wrong. 

In XXXX or so I started receiving mail from Caliber 's foreclosure attorney that seemed strange and I did not understand. I contacted my former attorney who is now helping on a pro bono basis to try to figure this out. I also started the process to apply for XXXX funds from the State to see if we can make this right. But because of the problems the State had with it's role-out of the XXXX program my initial application was not accepted until XX/XX/XXXX. My attorney also told Caliber 's foreclosure counsel that my application for XXXX was pending but Caliber 's counsel has represented ( at least through today ) that it will not wait on the foreclosure anymore and Caliber claims the State has not communicated with it. The State seems to indicate that Caliber has not designated a representative until just yesterday. 

I first learned that a sale had been scheduled from my VA representative on XX/XX/XXXX. My pro bono attorney contacted Caliber 's foreclosure counsel who represented he had not scheduled any sale. However, a few days later he was apparently instructed by Caliber to schedule the sale even though Caliber knew I had registered with HAF. Now Caliber is advertising a foreclosure sale of my home and property even though it knows my application for XXXX is pending and I never received the modification offered to me last XXXX. 

I also sent Caliber a XXXX and Notice of Error about all these issues on XX/XX/XXXX which it received on XX/XX/XXXX. I have not received any acknowledgement or response whatsoever to that correspondence from Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: FL

Complaint narrative:
This company has obtained my personal identification under false pretenses.This debt is damaging my credit report. Pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. These companies has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

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 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have a balance transfer balance not due until XX/XX/22. Without me asking, in XXXX, they began a " deffered interest rate '' on new purchases until XX/XX/22. When I made payments, they credited the balance transfer balance vs recent purchases. This gave me less time on my balance transfer balance! I submitted messages & made phone calls but they still wouldn't fix it. I felt this was all illegal and wrong and closed the account. I attempted another try via message. Finally somebody listened and reallocated the payments. However they then charged me a balance transfer fee! I called and the lady said she agreed it was wrong and they were having problems with their system crediting payments to wrong promotions etc etc. She would submit a request to reverse the fee. It may take 2 billing cycles! 
I have excellent credit and pay close attention to this stuff. I know others do not and they are being scammed without knowing. I really feel an investigation is needed into this company 's practices.

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 2022-01-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed a dispute letter to the three credit reporting agencies ( XXXX, TransUnion, XXXX ) on XX/XX/2021. I asked the bureaus to delete XXXX accounts because of inaccurate information between the XXXX XXXX Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that XXXX accounts was missing the notice of dispute from the accounts I was disputing. How is XXXX different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 XXXX XXXX credit reports showing no change and missing notice of disputes

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 2022-01-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed a dispute letter to the three credit reporting agencies ( Equifax, XXXX, XXXX ) on XX/XX/2021. I asked the bureaus to delete six accounts because of inaccurate information between the three CRAs. Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that four accounts was missing the notice of dispute from the accounts I was disputing. How is three different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 XXXX XXXX credit reports showing no change and missing notice of disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one hard inquiry dated XX/XX/XXXX. Showing on all my credit report. I spoke to capital one on XX/XX/XXXX, and no file of me opening a new application or any type of loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 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: GA

Complaint narrative:
XXXX, XXXX, and Transunion have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.

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 2022-01-22 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: GA

Complaint narrative:
XXXX, Equifax, and XXXX have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX, and XXXX have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.

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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was scammed by a bitcoin scam. As soon as I paid scammers I realized I was being scammed. Even though payments were pending bank said they could not cancel payments. The bank is TD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: MD

Complaint narrative:
TRANSUNION is in violation of consumer laws. 
Please see attached documents to meet demands in a timely manner

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 2022-01-22 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: Grain Technology, Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX ( XXXX ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My phone was stolen and someone hacked into my phone/online banking and used my information to buy tickets to a hockey game. The transaction is for {$110.00}. I have contacted the seller, the tickets were never used. Apparently the thiefs used my email to try and get a refund as well through XXXX. I contacted my bank and disputed the charge, however capital one stated that I am still responsible for the tickets. I do not feel that I should have to pay for this charge as this is not my fault and my account has a {$0.00} fraud liability agreement. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have been calling this bank daily and attempting to close my account. I am accruing a $ XXXX overdraft fee, which the bank refuses to refund, despite my repeated attempts to bring the balance back to zero. Service at the branch is not helpful, as I am told employees there ( including managers ) do not have the authority to issue the necessary refund to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have tried several times with this company to resolve my disputes and have had a couple EMPLOYEES even admit that they see no reason as to why my disputes we're denied and now the bank is telling me that in outta luck and that they will not help me any longer. Awful company, supposed to be protecting my money yet are helping fraudsters steal it and not returning it. I just want my money back but they claim that there's nothing they will do ( not that there's nothing they can do but that there's nothing they WILL do ). This is a joke. The fact that even their employees admit that there's no reason for them to deny the disputes speaks volumes. If they fail to resolve this I am taking my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX XXXX account was closed and paid in full. There was actually a over payment that the company owed me. 

A collection agency is trying to collect on an amount that is not owed. In fact this is the second collection company that has tried to collect money not owed to XXXX. 

I have contacted XXXX to dispute and they supposedly checked and collection is correct. It is not! 

I have documentation to prove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Hello, I opened an account with Ally Bank on XX/XX/2022. I later funded this account with {$80.00} from XXXX XXXX, linked the Ally account to my XXXX account, and used it one time to purchase food online. 

I got an e-mail at XXXX AM stating " Your telephone banking PIN has been changed '', despite not having made any changes to the account. I called Ally support that afternoon, and after I answered my security questions I was told that the account had been temporarily frozen and was under review. The customer service representative mentioned that it could take their team up to two weeks to investigate. 

I do not trust Ally 's ability to resolve this issue quickly, and I figured I would submit this complaint now to help expedite the issue as necessary.

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 2022-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I first notified Transunion both via phone and in writing in XX/XX/2021 that XXXX XXXX was reporting a fraudulent account and inquiry on my credit report. I notified Transunion again in writing in XX/XX/2021 with a FTC report required under FCRA. Transunion has failed to conduct a fair investigation or remove this account from my credit report. Provide any documentation that proves this account is mines.

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