vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
company informed me that my sanitation bill ( solid waste acct. # XXXX XXXX XXXX, XXXX ) was a tax and they had a right to include it in my escrow. I paid my regular schedule payment and it was with-held as a partial payment and a late fee and late notice filed in XX/XX/XXXX with the credit bureaus and it dropped my credit score by XXXX points. XXXX XXXX Government returned my payment and advised that Caliber had informed them that, " they had the sole right of paying my solid waste payment ''. 
XX/XX/XXXX again they with-held my payment as partial after raising my escrow while I was challenging them reference nothing in my contract that they had purchased gave them the right to pay my solid waste bill ( garbage paid yearly ). 
They purchased my contract on XXXX from XXXX XXXX Bank. I had paid my garbage bill myself until year XXXX. Caliber attempted to force me to refi and I refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX  falsely charged me for leaving an uninhabitable apartment. I left after the apartment manager repeatedly refused to send pest control for their infestation of cockroaches. I left the place in pristine condition, yet I was accused of leaving the place in bad condition and charged an exorbitant amount. I contacted IQ data international in XXXX of 2023, to work out a payment plan to settle the debt regardless, because I plan to buy a home and this is preventing me. IQ data refused to work out a payment plan, instead referring me to their 3rd party credit " fix-all '', XXXX XXXX, who stole {$500.00} from me and did absolutely nothing. I have proof of payment. I filed a dispute with IQ data in XXXX, 2023. It has since been listed as disputed, however meets FCRA requirements. I question this due to the numerous class action lawsuits filed against IQ data international. I want to settle for less, or pay to delete, but there are no options available to me as IQ data International is a scam artist. I need help, please, as this is preventing me from progressing in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/2023 XXXX - XX/XX/2023

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to lodge a formal complaint against Early Warnings for reporting fraudulent activity against me, which they have obtained from XXXX XXXX. It is my understanding that as per the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies are required to provide accurate and complete information. It is, therefore, concerning that Early Warnings continues to report inaccurate information, as they have documented that they do not have any evidence to substantiate their claims. 

I called, faxed, and mailed early warning and let them know the information in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. This is aggrevated identity theft and against the law per XXXX XXXX XXXX XXXX. 

This inaccurate report is not only detrimental to my rating, but it is also causing significant personal distress. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure that Early Warnings complies with the FCRA by removing all inaccurate information from their records. 

I look forward to your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: SD

Complaint narrative:
Discover credit card, Still hasn't sent anything about any program for the pay off or collections! I still get treated pretty poorly and very little help from any department. My account again is in locked our and bad account status... I've been dealing with company for over XXXX years doing this and blocking my number, long hold times, some XXXX XXXX however you spell her name sending Me letters with contact information and can never get a hold of her. I'm very frustrated and such with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have XXXX open credit cards with company. All have a XXXX balance and was never late.

not all accounts are being reported and a XXXX balance is being reported on XXXX. 
All credit agencies need to be updated with the correct 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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF ED/XXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite XXXX XXXX & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
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 disputed by a consumer, an item of the 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 2024-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
On several occasions I have used the atm to withdraw funds which are in my account. Navy federal will deny the transactions and still charge you a fee. This is the most ridiculous scam Ive ever experienced using this credit union. On XX/XX/year> I used another atm because this credit union in nowhere to found in my state or even close to me. What they have done for several of my atm transactions is that they deny the transactions even with monies in my account and then charge me to access these funds at another atm. This is disgusting and unacceptable!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX , this is not a third party filing this dispute. I have notice several Violations on my consumer report be done by the following credit reporting agencies. XXXX, XXXX and TransUnion. This is a major violation of the FCRA and I demand that these inaccuracy be remove and updated Immediately. Please see attached documentation.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX , this is not a third party filing this dispute. I have notice several Violations on my consumer report be done by the following credit reporting agencies. XXXX, EQUIFAX and XXXX. This is a major violation of the FCRA and I demand that these inaccuracy be remove and updated Immediately. Please see attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
Ras Lavrar filed a lawsuit against me on behalf of XXXX XXXX credit card on XX/XX/XXXX. On a previous complaint, they claim they sent a validation letter on XX/XX/XXXX, which I never received. I never had an opportunity to validate the debt. As they stated in their letter it was sent on XX/XX/XXXX well XXXX  days falls on XX/XX/XXXX to allow someone to validate the date, instead, they went straight into filing a lawsuit on XX/XX/XXXX. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting 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:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX  XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : 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 2024-02-26 00:00:00
Product: Credit reporting 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:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX  XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last XXXX digit of SSN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
We reported our Truist ATM card being stolen and a charge placed on the card and opened a case with Truist. The money stolen was put back into our account. We were supposed to receive a form in the mail to finalize the complaint, which never came. We then received a letter from Truist indicating that our case was closed since they never received the form. I called Truist again and let them know we never received the form and they indicated we would receive this form in 10 days. Another three weeks or so have passed and still no form has arrived. This morning we spoke with Truist and they said they would be sending a form out in 10 days.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have an Amazon store account card through Synchrony bank. In XXXX I paid extra on the card because of leftover XXXX shopping. I have never missed a payment. They dropped the limit, because of high balances on other cards, to just over the new balance, which of course created a new high balance. 

I went from 70 % utilization on that card, about to make another payment which would have brought me under 50 %. The new limit created a utilization of 94 %, which they immediately reported to the credit bureaus, which, despite never missing a payment, created a cascade of other cards now reviewing my limits. This is bot only evil, but according the Fair Credit Reporting Act, illegal.

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 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I alerted citibank that XXXX unauthorized amounts were withdrawn from my bank account : {$430.00} for XXXX {$70.00} for XXXX {$10.00} for XXXX I DID not authorize these amounts and they are not my charges. 

Citibank informed me that it would take 10 days to receive a credit, then they changed their story to I need to " wait for a letter ''. I never received any letters. I spoke to someone again on XX/XX/XXXX and they told me on XX/XX/XXXX to reach out and if no letters arrived, I would be given a provisional credit of my money. 

Today, XX/XX/XXXX, I called them back and they said that the claim had been closed, the bank determined none of my money was taken, and that I wont be receiving a credit. 

I am missing {$510.00} from my Citibank debit account at this moment. I don't know why they are claiming that it wasn't taken from my account when I have told them these charges were not mine, but this is where we are.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
BOA put a hold on my checking account, amounts of XXXX dollars at XX/XX/XXXX, then I called them, they told me to provide information to prove that the money was transferred to me correctly. And they said they will finish the investigation in 90 business days. Then I emailed them the transfer voucher with my name on it to prove this money was transferred to me correctly. But now is over 90 business days, they told me I may wait 180 business days or longer. The hold cause my checking account balance to lower than 0. I will leave the U.S. soon, and I need to close the accounts. But they told me I wont be able to close the account if the balance is not equal to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I received multiple Vanilla prepaid visa cards for my XXXX Birthday from family and friends. They were all Vanilla prepaid visa gift cards.Everyone of rhe prepaid visa cards has been a problem using and today after attempting to use at a XXXX gas station and the card subsequently being declined after putting {$2.00} of gas in the tank I noticed there were ~ {$59.00} of fraudulent charges on the card and a balance of XXXX. 
I called Vanilla customer service which is essentially useless but after getting a case number of # XXXX to refund the full fraudulent charges was told it would take up to 45 to 90 days to process. Unacceptable! 
Vanilla gift prepaid visa cards need to be prohibited from doing business. Its organized and serial fraud. Their customer service is intentionally deceptive and fraudulent. Visa brands the prepaid cards and takes zero responsibility for the fraud! 
I need assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was alerted by XXXX and Capital One stating that there is a hard inquiry on my credit report today XX/XX/year>. I called XXXX to dispute the inquiry and also called Capital One to dispute the inquiry and put a note on my account that I am not applying for a new credit card.

Company response to consumer: Closed with explanation