vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a text message stating a bank of America edd card was needing my information to activate this card to transfer in my account. 
It sent a link to fill personal info. 
I called bank of America and they said it was a scam.

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 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
Thank you for taking the time to review my complaint against the builder of our home, XXXX XXXX, a subsidiary of XXXX XXXX XXXX, as well as Lennar Mortgage. This is our third new build and have never experienced the level of negligence, inattentiveness, and overall incompetence that Lennar has exhibited.

We purchased our home for {$460000.00} which was approximately XXXX XXXXXXXX over asking price and were forced by Lennar to close on the house on XX/XX/26 or else Lennar mortgage was going to extort more money out of us to keep the rate locked. They already did it once prior by delaying our close and making us pay to extend the rate for the XX/XX/26 closing. In addition, they scheduled the walk-through only minutes before closing, forcing me to rush through or risk miss closing. As a result, there were items that I had to follow up on incessantly to get addressed after closing. Nonetheless, it is now exactly two months later and we havent received our shower enclosure, nor any date for its delivery. This is only one facet of the XXXX Lennar has put us and many others in our neighborhood through. Nonetheless, we just want a complete home or, at a minimum, proactive communications from them as to a date for an install. Also, whoever issues the local certificates of occupancy should be investigated as there is clearly either a break in the system or there have been bribes/payoffs from Lennar. Theyve delivered countless incomplete homes that range from highly inconvenient to 'hazardous-to -- occupy '. Ours was latter until approximately 45 days after close. 

Needless to say, their ( in ) actions continue to result in emotional distress to both my wife and I. We appreciate anything you can do to help bring resolution to this matter. 

Regards, 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 2022-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
When I moved to XXXX XXXX in XX/XX/2021, I obtained a XXXX XXXX XXXX in XXXX. On XXXX I purchased furniture using my card. Note the receipt attached. When I made this purchase, they found another email account that was remarkably similar to my email address. They had mistakenly accredited that address to me. They fixed the mistake, and I bought the furniture. Ever since that day I have not been able to use my credit card at the store. I inquired and they said my account had been closed because of the old account they found with the similar email address. I informed them that I have an account in good standing and over XXXX in available credit. They are now saying that my account was closed because I have not used the account in over a year. However, I have my receipt showing that I purchased furniture from the store on XXXX. This situation is having a negative effect on my credit score in terms of available credit and debt to income ratio as well as the fact that I have a closed account. I have paid my bill and intend to pay this bill off soon. However, I do not want any negative credit that I don't deserve. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them XXXX different times. Still over XXXX years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any help.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them XXXX different times. Still over XXXX years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any help.

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 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Almost 3 months ago I was made aware that my mortgage company ( PHH ) had missed one of my tax payments. On top of this they miscalculated my property taxes and increased my escrow payment by half a grand. I have been working with them since XXXX to adjust my taxes, reimburse me for the amount in my account that doesnt need to be there, and lower my monthly payment. 

I can no longer afford an additional {$1000.00} on top of my mortgage payment monthly. However now I face this hitting my credit score if I pay them for my loan amount and nothing more. Another tax payment is due on XX/XX/XXXX and I am not even sure they will pay this on time because it is not showing up as an upcoming payment on my account. At this rate they are bleeding my bank account dry and I am forced to continue depositing into an account that collects no interest in a fear the my credit score will be hurt.

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 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit score remains at the same or lower number, and will not go any higher than XXXX no matter how long l follow the designated rules. Please can you help me find out why this is happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
I requested a copy of my report from LexisNexis. When I review the report, I was shocked to find as many as XXXX reporting errors, including insurance information, public records, addresses that were not mine and other information that clearly indicate that I was a victim of identity theft. Unlike the credit bureaus, this information was inaccessible to me and the agency is not required to provide an annual report. A family member informed me of LexisNexis, instructing me to request a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I had an account with PNC BANK and for the last few years I had a problem with overdraft charges, several due to slow posting of withdrawals. I would check account and it was fine and then I would get several NSF charges due to not posting correctly. I had several small pmts and they posted larger ones and made smaller ones msg. They posted and cleared a check and then 3 days later backed it off. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26 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: DE

Complaint narrative:
On XX/XX/2022 I called XXXX XXXX to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.

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 2022-10-26 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: DE

Complaint narrative:
On XX/XX/2022 I called XXXX XXXX to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: DE

Complaint narrative:
On XX/XX/2022 I called XXXX XXXX to request that they send the statement of the alleged debt to me via mail so that I could settle the debt. I was denied that request and was told they only operate online and via email ; I was also told that they would not accept my method of payment. I also requested for them to stop reporting to my consumer report as it goes against my lawful rights and privacy and causing adverse affects in my life. I was also denied that request even after I sent them the laws they are required to abide by. On XX/XX/2022 I sent a cease and desist via email as they say they do not accept anything via mail and once again I received a response denying me of my requests, my rights, and my privacy.

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 2022-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to inform you of accounts that are inaccurately reporting false information. The accounts in question are related to the creditor, XXXX. I have contacted the credit bureaus ( XXXX, XXXX, and XXXX ) on numerous occasions along with contacting the creditor, XXXX and debt collector- Cavalry Port. To date, I have yet to receive a response from either companies. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

The creditor and debt collector has yet to provide a response to my initial complaint.. However, XXXX, XXXX, and XXXX continue to report these accounts as derogatory item ( s ) on my credit report. I have provided all supporting documentation to XXXX, XXXX, and XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : 1. ) Correspondence sent to CAVALRY PORT via certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 non-monetary relief
Consumer complaint received 2022-10-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank
State: PA

Complaint narrative:
First Progress credit card company of XXXX XXXX, XXXX XXXX. Has denied my request for billing Statements for my secured credit card Acct. An any financial correspondence sent to my billing Address. That request was denied which leads up to my inability to dispute or to lodge legitimate disputes based on Written financial correspondence. My acct was Closed for over a year FIRST PROGRESS never notified me of Acct closure. Nor will they provide me with any letters that they sent notifying me of My ACCT CLOSURE. On or around the XXXX XX/XX/2022, I tried to close my acct which was already closed! So I could get my security deposit back.Customer service agent said it would be a few weeks before refund check would arrive.On XX/XX/2022 I received a FIRST PROGRESS CREDIT CARD in the mail. Called to find out why they sent me a card? They said I requested My Acct to be opened! But As I stated I asked them to CLOSE the acct. Now they refuse to provide me with any correspondence where I asked for them to open my Acct.. Furthermore they want provide no correspondence on any activity on my acct by me or FIRST PROGRESS.. They refuse to show me where I said open up my CLOSED ACCT. They Also deny not knowing what CUSTOMER SERVICE REP MADE CHANGES OR VIEWED MY ACCT ON or around THE XXXX XX/XX/2022. Someone opened up my Acct without my Approval. Now they wont EXPEDITE my refund after my acct has been closed for over a year without any correspondence from First Progress on said matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have unauthorized inquires on my credit report that i do not recognize. I've tried to handle the situation but didn't get a response. I'm asking cfpb to help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed on consumer credit reports that theres unauthorized inquiries on my Transunion, XXXX and XXXX reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois XXXX XXXX XXXX XXXX website was breach by hikers and important information was breach

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 2022-10-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed on consumer credit reports that theres unauthorized inquiries on my XXXX, XXXX and Equifix reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois XXXX XXXX XXXX XXXX website was breach by hikers and important information was breach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Goodleap is a partner of XXXX XXXX, aka XXXX XXXX. 
We have raised concerns to Goodleap for multiple months about XXXX XXXX and the fact we were not provided the service we were expecting and we paid for. 
Goodleap has never done anything to help and has continued its partnership with XXXX XXXX and. now that XXXX has filled for bankruptcy and we can not get the service we paid for, we asked Goodleap for help and they totally refused to provide any support. 

We signed our contract with XXXX XXXX XXXX XXXX XXXX XXXX ) in XX/XX/2021 and the loan automatically started ( {$73000.00} ), the solar system was installed in XX/XX/2021 and, despite the electrical installation had not been performed ( solar panels on the roof only ), GoodLeap started charging us, even though we explained multiple times there was a problem and the loan should not have started. 
Over the next 15 months, we contacted GoodLeap multiple times since our solar installation was not providing near what it was expected to ( less than 20 % of what we were promised ). 

Today, our system is still not performing and GoodLeap is not doing anything to assist, we will therefore have no choice than to stop our payments ( sections XXXX and XXXX of the contract we signed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I contacted Transunion Twice via First class mail & also by phone. I asked that they please launch a thorough investigation to narrow down the things that shouldn't be present on my report for I had not authorized nor had any knowledge of the inquiries when and how they were made. I stated that by law that they could not mishandle my credit report in the matter they have without any legitimate proof that the inquires were indeed made by myself. I asked them please remove any invalid information that was on my credit report once they were finished. They have constantly gave me the run around and its been more than 30+ days and counting on my second attempt and over 4 months on my first. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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