vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My mortgage lender is unable to pull my credit report because Equifax had a lock, a freeze, and some sort of identity verification on my account. 

I started a refinance process in XX/XX/XXXX it is now XX/XX/XXXX and the lender is still unable to obtain my credit report. 

I phoned Equifax, in XX/XX/XXXX to remove the lock on my account. Equifax processed the lock removal and I thought that all was clear. However, when the lender attempted to obtain my credit a fraud alert from Equifax prevented them from getting my credit. On XX/XX/XXXX, I called Equifax and was told the account had a freeze, so I asked for its removal. Once again, the lender attempted to access my report, and again Equifax had a block! This time Equifax told me that I needed to provide a copy of my license and Social Security card by mail or fax and that it would take up to 10 days to process! When I asked the agent why Equifax and only Equifax required this information, they could not give me an answer. 

I need this fixed because interest rates are going up and because of financial necessity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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 602 A Section : It also states a consumer reporting agency can not furnish an account without 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 2023-03-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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 602 A Section : It also states a consumer reporting agency can not furnish an account without without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-03-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
My XXXX XXXXXXXX XXXX XXXX sent me for XXXX XXXX XXXX XXXX  to one of their partner offices XXXX XXXX XXXX, I had to pay for many services like exams again. After all I paid {$45.00} for visit, {$610.00} for the job after the insurance covering {$270.00}, - of it. Now after a few weeks I received another letter from their office for {$210.00},- and at the same time I received a letter from the mentioned debt collector Amer Assist for the {$210.00}, - When I called the dental office they just said that they will ask a manager to call me. But that never happened. After contacting my insurance they gave me the numbers they paid to the XXXXl office and it clearly showed that I was over charged. So they also told me that they will send a letter to them to refund me the balance. 
Explaining all this to Amer Assist I was told that if I dont pay it will be reported to the collections. The only chance was to pay them or have the XXXX XXXX  contacting the collections to remove their request. 
First I dont understand how rude can the XXXX office be, by sending the request to me and to the debt collectors at the same. 
Second how come that Amer Assist didnt even take the effort to look at the bill and bring to their attention that their bill was sent to them immediately when it was sent to me at the same time. I didnt get a chance to pay it. Now it is forced this way. 
No problem that {$210.00} will not kill me. But Ill see them at the small claims court. 

Welcome to America, Big eats Small

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I entered a contract with Solar Mosaic, Llc in the beginning of XX/XX/2022 for purchasing solar panels from an independent contractor. 

After having several disputes with the contractor, I informed Solar Mosaic not to disburse the funds. I informed them twice verbally, once via email and once via two day with tracking mail. I was informed after the second call to not disburse funds that I would need to sign off on the disbursement. 

I later was informed by Solar Mosaic that funds were disbursed anyway. They are now requiring payments on a solar panels not complete and in breach while also refusing to tell us where our funds went. 

I have asked twice in writing via two day mail with tracking for information regarding the funds. When they were disbursed, who they were paid to, How much was paid and to how many contractors. There is conflicting information regarding the installation. I have a long list of complaints regarding the installation and financing. 
They are now refusing to speak to me when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On the XX/XX/2023 I wrote Experian a letter stating that I never authorized some inquiries and that I was disputing them because they are negatively effecting my credit and ability to use my credit to acquire financial products and assets. 

I asked them to send me evidence of proof that I did indeed inquire about my credit with wet signatures if they could. The simple request falls in line with the Fair Credit Reporting Act and asked them to remove the inquiries and to send me an updated credit report reflecting the account changes upon completion. 

On the XXXX of XX/XX/2023 I received multiple emails about the letter and when I looked I did not see any changes. 

When I called on XX/XX/2023, I spoke to someone and they sent me to the fraud department. 

When I was speaking with the fraud department, they had me on the phone with a person that I could not understand. 
As I went down the line of items that I was disputing, I verbally informed them that I revoke any and all authorization to report on my name and or social security number. He told me to get in contact with the companies that I was disputing the inquiry over. I expressed that I have already done so and they referred me to the Credit Reporting Agencies such as Experian. 

I asked to speak to a manager or supervisor and he refuses to transfer me. I then asked to speak with anyone aside from him and he refused to do so. All I wanted was for the inaccuracies to be removed and he said since I have a car loan that he could not do anything. I also expressed that I sent the letter and it stated that they needed to prove with wet signatures that I indeed made the inquiry. They did not provide any and they did not transfer me. 

I am under the impression that a foreign entity has captured the reporting agencies in order to disrupt the agricultural and economic abilities to use credit in the United States. I am a Veteran who has proudly served in the XXXX and I understand that through House Joint Resolution there is no lawful money through the Truth and Lending Act ( TILA ) no one has the authority to deny me an extension of my own credit. 

Through my private investigation I have come to the conclusion that this Experian and its agents are committing fraud and racketeering.

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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Hello so I visited PNC bank in XXXX XXXX and was discriminated on and not giving any of my money when I called before coming and the funds were available. I called the customer service number and the women said I dont know they are not giving you your money its available so I called the supervisor over at XXXX XXXX to tell her what the customer service lady said and she got frustrated and hung up on me and refuse to answer any called after that. I went to any branch and was treated kindly and even giving more money than she initially stated. She got caught in a lie and made me feel really bad. Excuse after excuse and I had no gas with my baby in the car. XXXX thank XXXX the other branch helped but it was a bad day. I believe she judge me for being XXXX with such large amount and made up lies to not get me any money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by XXXX upon completion of your investigation.

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 2023-03-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by XXXX upon completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2022 at XXXX I went to an XXXX atm to deposit cash into my Huntington checking account. I used my Huntington debit card to make a {$900.00} deposit using an XXXX atm. The atm took the money and never, I have a receipt showing the amount that was taken and it shows that it did not give my money back. 

I have filed 3 disputes with the Huntington Bank, and each time they come back saying they have found nothing. I have also reached out to XXXX, and they keep telling me that I would have to go through Huntington. 

I have been going around in circles trying to get my money back and no one is figuring anything out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
In XXXX, XXXX, I requested a refund of payments made during the XXXX forbearance from my servicer XXXX that the company never filed. On XX/XX/XXXX, I contacted my current servicer, Mohela, for a refund. I filed CFPB complaint # XXXX on XXXX and on XXXX, Mohela sent a letter stating that it had been sent to the Treasury for XXXX and that I would receive a check within 30 days. On XXXX, my student loan balance went up reflecting the refunded amount being applied back to my account. 

It's XXXX, and I still have not received a check. I finally reached out to my XXXX who contacted the Department of Treasury for me to check on the status. The response to their office was that Treasury had not received the request ( language copied from email ) : When a payment does not appear in XXXX, it means payment instructions have not yet been transmitted to XXXX. The forbearance payment promised by Mohela is still with Mohela or whatever agency would transmit the payment instructions to XXXX. You will need to redirect this inquiry to determine when payment instructions will be transmitted to XXXX. 

I can not get an answer from Mohela has to how long it takes Treasury to receive information to issue a check but 2 months seems excessive. It appears that the problem is on Mohela 's end, not on Treasury 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-03-03 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: NJ

Complaint narrative:
Transunion is currently showing XXXX20-149 days past due, XXXX is currently showing 180 days past due and XXXX 180 days past due ( with 120 days on XXXX and 120 days on XXXX ). Which is not correct, I have provided a document that XXXX XXXX XXXX legal team sent me stating that on a going forward basis reporting to the XXXX XXXX XXXX Transunion, XXXX, XXXX, etc. ) would show up as a Covid protected status. This is a legal document provided by the creditor and for thus has to be honored. XXXX XXXX XXXX has continues to use abusing predatory lending practices by reporting 120 days plus late threatening repossession through an acceleration letter requesting the full amount. Transunion, XXXX and XXXX are at fault by not conducting a thorough investigation and just letting XXXX XXXX report on my credit report 120 days plus late. The report should have a Covid 19 protected status on a going forward basis ; XXXX XXXX did not provide an end date in this letter to me, therefore it should remain in that status as this letter came from their legal department signed by XXXX XXXX Regulatory Compliance and is now a part of the contract on how reporting is conducted.

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 2023-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
I purchased my home in XX/XX/XXXX, first payment was made to Caliber home loans on XX/XX/XXXX. Payment was never applied to my loan so when the loan was transferred to XXXX it was transferred for the full amount. I realized this and made my first phone call in XX/XX/XXXX. I I have provided a copy of the check that was cashed for {$2000.00} by Caliber Home Loans and also provided a copy of my bank statement where it shows the money was taken out. Ever since XX/XX/XXXX I been calling trying to get this issue resolved and now they are telling me theres nothing they can do because they cant access old files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2023-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
A CHECKING ACCOUNT WAS OPENED AT FROST BANK AS A RESULT OF FRAUD ; IT WAS NOT I THAT OPENED THE ACCOUNT NOR AUTHORIZED IT. I FOUND OUT ABOUT THIS MATTER AFTER RECEIVING A LETTER IN THE MAIL FROM FROST BANK IN REGARDS TO ADDING OVERDRAFT PROTECTION TO THE FRAUD ACCOUNT. WHEN I CONTACTED FROST BANK, THEY DID NOT WANT TO PROVIDE ANY INFORMATION, BUT ADVISED THE ACCOUNT WOULD BE CLOSED, AND THEY WOULD PASS ALONG MY COMPLAINT TO THEIR FRAUD DEPARTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation