vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I requested PMI removal in XX/XX/2022. Paid {$150.00} for the BPO Inspection. I was told that before Caliber would schedule a BPO I would first need to provide Improvements ( if any ) dates and values ( dollar amounts ) of each. I have been in my home for almost 3 years. I have made literally thousands of dollars in improvements over that 3 year period. It would take me hours upon hours to go thru my files, bank records, charge accounts to develop this information. On the other hand, if I submit my request stating I made no improvements, Caliber is telling me that my request would be automatically denied. They also state that this policy directive comes straight from their investors. I purchased at {$220000.00}. The value of my home ( without any known improvements ) per the current market is {$340000.00}. {$220000.00} x XXXX  % = XXXX. I should be able to have PMI removed at this value. Even if my home appraised for a lot less, PMI would still be removed. I feel that Caliber is extorting funds and manipulating their rules in order to receive the extra monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Purchased electronic dog trainer XXXX XXXXXXXX dogs. It did not show up. I needed it immediately. Went to box store bought one. Company agreed to credit me back immediately. Applying checking credit card statement company never credited me back and decided arbitrarily to mail another unit against my permission. Unit came. Got returned number from company and put it in XXXX box with return number written all over outside. Company claims they did not receive back. Citibank XXXX took original dispute and messed it up badly by saying I didn't get merchandise because the communication with the XXXX is pathetic. The dispute is I sent it back not that I did not receive it. They close my file and refused to open it and refused to credit me my rightful money back. Citibank impossible to deal with communication is lacking have kept me on the phone for hours and screaming matches. I am a XXXX my pension goes into Citibank if it wasn't that I had to fix all the rigmarole I would quit Citibank if it got uploaded did it get uploaded can you see it okay one attachment view uploaded okay keeps disappearing

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 2022-06-06 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:
These accounts listed are Fraud! I am a victim of identity theft and did not make these charges whatsoever! I've included the FTC Affidavit. Please remove these alleged accounts as they are causing me harm & inconvenience as a consumer. I have not opened anything in the last few years. I placed a security freeze prior which didn't seem to help seeing as there was a XXXX XXXX opened in my name recently this year. Please remove these fraudulent accounts. I XXXX XXXX am making this complaint!

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 2022-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not give these companies written permission to look at my credit report! 

I do not recognize any of these companies, or why they are even on my report. 

I would like them removed due to improper use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Account with CITIBANK XXXX was referred to XXXX XXXX XXXX XXXX XXXX in 2016. Please check with this company.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
Consumer complaint received 2022-06-06 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX and XXXX and placed freeze but accounts might already be open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX and XXXX and placed freeze but accounts might already be open.

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 2022-06-06 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MI

Complaint narrative:
I have sent LJ ROSS a Notice of Dispute and Demand for Debt Validation Notice. They have not responded to my request. When I review my credit report each month LJ ROSS shows a different address to contact them regarding this alleged debt. It is my belief that LJ ROSS is giving false address information in an attempt to never resolve my complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information. 
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any 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 non-monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 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:
In accordance with the fair credit reporting act XXXX  XXXX  XXXX account # XXXX XXXX  XXXX XXXX  account XXXX have violated my rights

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 2022-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AGS Financial, Inc
State: NC

Complaint narrative:
I financed a vehicle from sage auto sales through age financial in North Carolina, XXXX XXXX XXXXXX/XX/XXXX. I paid a down payment and I was told that it would apply to my total amount of the auto loan.however I recently went Over my contract and it was a lie and fraudulent the contract is null

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 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: PA

Complaint narrative:
Hi, I'm having an issue with Transunion credit reporting agency, they are still showing that I have a late payment on my credit report. I also have ( AUD ) numbers ( XXXX ) ( XXXX ) ( XXXX ). This issue has been going on for about three months now. The company that is reporting late is Police and fire credit union.

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 2022-06-06 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: SC

Complaint narrative:
Dear Equifax In reviewing my credit report from Equifax, I found unauthorized addresses. I made numerous attempts to resolve this matter via Equifax automated service, however I had no success by phone. The following accounts are unauthorized. XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i. Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received a call from Frost Bank and they left a message for me to call them back. The lady I spoke to was XXXX XXXX and she was trying to confirm that I had opened an account with them this morning. She said they have been getting a lot of fraud accounts lately. I said I have not done that, I am at work. She explained that someone tried to open an account online and she said they even had my correct address and even my drivers license number. I didn't give her any information because I didn't know if you could possibly be a fraud person, but it did not seem that way because she was able to confirm all my information. The only thing the fraud person put incorrect was my phone number, so she searched it and that's how she was able to leave me a message, hoping that I would call back. She was able to stop everything and close the account. She suggested I make a report with the Federal Trade Commission for identity theft. I am glad I was able to stop everything, but now someone has all my information and I don't know how. I do not share this with anyone. Please be aware that someone is trying to steal my identity. This is the last thing I need. Thank you so much for your help with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had a automatic withdrawal come out of my account overnight and late. The same time a transfer was happening on my account. The bank purposely waited on this automatic withdrawal so my account could overdraw as a retaliation of moving funds to a different bank branch. I requested the return be refunded as it dont not fall under their 24 hour policy and the first associate I spoke to claimed I was correct and the funds would automatically appear. Until today, a call center manager named XXXX claimed the funds can not be returned because it is not bank policy. I should have ended my relationship with this bank years ago! I am over it and just want my funds back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Receive a collection letter dated XX/XX/2022. 

Letter states as of XX/XX/2022 debt owed was {$1000.00} They also say that is paid after XX/XX/2022 they would want an additional {$350.00} as their collection fee. 

Debt was paid in full to the original creditor on XX/XX/2022. 

I have receipt and shared it with collection agency and talked to them several times. I told them if they put anything on my credit report I would seek action. They damaged my credit by putting this on my credit report. I am currently trying to purchase a house.

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 2022-06-06 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
In XXXX of XXXX my car was broken into at my apartment complex and my wallet along with credit cards and drivers license were stolen. My credit card was used that night and thankfully I was able to freeze the card and get a new one. I also got a new drivers license. I filed and received a police report. In XXXX of XXXX I pulled a credit report and saw there was an installment loan with Affirm , Inc . opened in my name back in XX/XX/XXXX ( per credit report ) in the amount of {$2000.00}. Upon speaking with Affirm, this account was used on car parts.com to purchase many car parts ( parts that are not for any car that I own, a XXXX XXXX ). I reported identity theft to my local police and received a police report. I reported identity theft with all 3 credit bureaus and filled a dispute with the loan company Affirm , Inc. as well as with XXXX. 

Affirm has concluded, as of XX/XX/XXXX, I was still responsible for payments even though I have no knowledge of this loan or who could have possibly opened it. I provided Affirm, Inc with copies of both police reports, an Affidavit they made me fill out and a copy of newly issued drivers license. Still no luck. 

I have a credit report from XX/XX/XXXX which still does not show the loan with them which is why I was not able to catch the error until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My husband is XXXX XXXX military. He is eligible for the XXXX civil service members relief act with his orders. It was time to renew the order and the benefit was not applied to my credit card which he is an authorized user on. I contacted USAA in XXXX to find out why all of the account other than this credit card received the renewal. I was told he has been removed as an authorized user on my account. I never gave permission for this or authorized this. Usaa claims it was done in error when I had a fraudulent charge show up on my account and when the new card was mailed out, he was inadvertently removed. They initially said this was their mistake and he was put back on the account and they were suppose to correct the benefit so it was applied to this account as well. 

Its been a month with no resolve. I have contacted back several times. No one returns my call. Today I spoke to them and was told they called back but my voicemail was full ( not correct ). I checked my phone records and have no call from them. They refuse to tell me the date and time said call was made. 

Now I am being told it wasnt an error he was removed from the account- its something on my end I did. They are very vague about what I may have done that caused his removal. I was told possibly something was selected online when my card was hacked. They can not provide any specifics about why he was removed without my permission or what can be done to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company never answers my calls they leave me on a silent hold or hang up, I called to dispute a charge from XXXX due to the fact that XXXX never provided me with the services then deleted my account when I didnt even do anything which could have had them delete my account, I read all the terms throughly. I want my debt paid for and me not having to pay them back at all for any money, I can never get ahold of them and even if you all fix this problem they will continue to do it, I want the debt paid for.

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 2022-06-06 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: FC HoldCo LLC
State: TX

Complaint narrative:
I did not give these companies written permission to look at my credit report! 

I do not recognize any of these companies, or why they are even on my report. 

I would like them removed due to improper use.

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 2022-06-06 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: Arivo Acceptance, LLC
State: TX

Complaint narrative:
I did not give these companies written permission to look at my credit report! 

I do not recognize any of these companies, or why they are even on my report. 

I would like them removed due to improper use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
I have no knowledge of this debt. I do not owe this debt. I have written Sequium Asset Solutions and asks them to provide me with verification that I owe this debt. Sequium Asset Solutions have ignored my demand and provided no response to my Notice of Dispute and Request for Validation. Sequium Asset Solutions have continued to harm my reputation by continuing to furnish false unverifiable information to my credit reports.

Company response to consumer: Closed with explanation