vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: IL

Complaint narrative:
I made an extra principal payment on my mortgage on XX/XX/2022 to reduce the loan-to-value ratio ( based on property purchase price ) below 80 %, and I requested removal of PMI. My loan servicer, ServiceMac, emailed me a form to complete on XX/XX/2022. I completed the PMI removal request form and emailed it back to ServiceMac the next day on XX/XX/2022. ServiceMac never acknowledged receipt, so I followed up via email on XX/XX/2022 to see if they received the form. They responded 9 days later on XX/XX/2022 that they received the form and that it was under review. They subsequently responded on XX/XX/2022 that the investor required a broker price opinion ( XXXX ) at a cost of {$150.00} to support removal of PMI ( even though I paid down to less than 80 % LTV based on purchase price and numerous free automated valuation models ( AVM ) are available to support that the property has obviously not depreciated ). I responded same day on XX/XX/2022 that I found it hard to believe that an AVM was not available and asked them to clarify if I paid the principal balance to less than a 78 % LTV that PMI would be removed without the need to pay for a PBO. I received no response. I sent subsequent emails on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking for the status of my PMI removal request and have received no response. ServiceMac is clearly delaying the process to continue to charge PMI, which I have requested to have removed. The fact that they have stopped responding at all to my requests is wholly unacceptable.

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 2022-06-08 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act 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 also states that a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had money transfered from XXXX XXXX  to Citibank credit card company for {$10000.00} since XXXX, The Citibank credit card company received the funds on XXXX and they will do the invesgation for money first, i was waiting in about 2 weeks they said that was incorrectly credited to my account. They will rebilled the money back to the credit card company. I had contact the XXXX XXXX to notify them what was happenede and file a dispute charge, and received a response letter from XXXX XXXX stated that they never received a credit refund from Citibank. I needed to pay for the interest charge but never received the money.

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 2022-06-08 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: NY

Complaint narrative:
I called your department after I purchased a credit report with XXXXXXXX XXXX XXXXn XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXPlease verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX A XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX-This isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. This account included in the dispute are : CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rushmore Service Center, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX  sent my debt to a collection agency called Rushmore. I had an agreement of pay to delete and was sending all my money there. Rushmore eventually contacted me in 2021 to tell me that XXXX XXXX bought back the debt. They did not inform me of this and even though the account is paid in full they are reporting a charge off actively on my account. XXXX XXXX has not contacted me nor has validated the debt I requested within 30 days. They also removed my access to their banking system and made it hard for me to pay off this debt. Luckily I finally got in touch with someone after trying for a month to make the final payment, even though the debt was satisfied with Rushmore Service Center.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: VA

Complaint narrative:
Several accounts was open and use in my name that i totally unaware of. Also several hard inquiry to go along with those accounts. I went through a divorce back in 2018 an that seems like when the bulk of the fraudulent activity began to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-06-08 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: MA

Complaint narrative:
In accordance with the FCRA requirements 15 U.S.C 1681 section 602A states I have the right to privacy. XXXX, XXXX and XXXX did not preform a proper investigation with XXXX XXXX XXXX account XXXX. The term investigation consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or with whom he is acquitted or whom may have knowledge concerning any such item of information. XXXX, XXXX and XXXX did not do this. XXXX, XXXX and XXXX states that the information has be verified. How is this possible when the information continue to report inaccurate and inconsistent for all three credit bureaus. This is grounds for deletion or removal of this inaccurate late notice. XXXX, XXXX and XXXX has violated my federally protected consumer rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C 1681 604a section 2 states a consumer reporting agency can not furnish my account or personal information without my written instructions. I did not give XXXX, XXXX or XXXX written instructions or permission to furnish this inaccurate late notice for 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 2022-06-08 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: MA

Complaint narrative:
In accordance with the FCRA requirements 15 U.S.C 1681 section 602A states I have the right to privacy. XXXX, XXXX and Equifax did not preform a proper investigation with XXXX XXXX XXXX account XXXX. The term investigation consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or with whom he is acquitted or whom may have knowledge concerning any such item of information. XXXX, XXXX and Equifax did not do this. XXXX, XXXX and Equifax states that the information has be verified. How is this possible when the information continue to report inaccurate and inconsistent for all three credit bureaus. This is grounds for deletion or removal of this inaccurate late notice. XXXX, XXXX and Equifax has violated my federally protected consumer rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C 1681 604a section 2 states a consumer reporting agency can not furnish my account or personal information without my written instructions. I did not give XXXX, XXXX or Equifax written instructions or permission to furnish this inaccurate late notice for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account ( s ), has violated my rights. ( listed below ) XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account ( s ), has violated my rights. ( listed below ) XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I received a letter in the mail with a bank statement from PNC Bank from the date of XXXX. I do not have a PNC bank account. The account balance for that XXXX count is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-08 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account : XXXX & XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXXXXXX # XXXX, DEPT OF EDXXXX  # XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX XXXX XXXX, DEPT OF ED/XXXXXXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX, 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 2022-06-08 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX & XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX # 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 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a joined checking and savings account with my husband at Citibank. We have had that account since XXXX. We receive our salaries and manage all our finances from that account. Recently, we moved from XXXX  to XXXX, we updated our address with Citibank. But since we have moved to XXXX  we have realized that Citibank does not have any physical branch in Texas and due to that we have been finding it very difficult to make payments or withdraw money or collect cashiers check. We called Citibank yesterday XX/XX/XXXX and told them that we are going to close our account and move our money to XXXX bank that has branches here in Texas. We opened a XXXX checking account and through our Citibank portal we initiated a wire transfer to our XXXX account of {$30000.00}. Because of this, Citibank has decided to retaliate against us and put a complete hold on our checking and savings account, block it where we don't have any access to our money, /salary. We are totally frustrated and stranded as of now. We are in the middle of a house remodeling project and have several contractors we need to pay, but we are not able to pay them as we promised them and this this issue is putting our life at risk because some of these contractors are now angry with us, threatening, thinking that we don ; t want to pay them inentionally. We called Citibank serveral times but they told us there is nothing they can do, that we have to wait for a week because our account is now under investigation. We are asking CFPB to use your good office to come into this case and investigate as the government bureau that regulates banks to make sure that no one vilates or is above the law/ Constituation of the United Sates, because we feel that as citizens our constitutional right has been violated/breached.

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 2022-06-08 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: WI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX  account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account #, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, experian XXXX XXXX, XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2022-06-08 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: NC

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

15 U.S.C 1681 Section 602 A. States I have the rights 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 2022-06-08 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX/ ACCOUNT # XXXX has violated my consumer 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 explanation
Consumer complaint received 2022-06-08 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act GM Financial # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation