vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of 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 2022-08-24 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: LEXISNEXIS
State: TX

Complaint narrative:
LEXISNEXIS OPT-OUT confirmation numberXXXX After opting out you violated my rights you Lexis Nexis reported to XXXX, XXXX, XXXX when XXXX froze your report you have done damage to my credit and personal information enclosed are my documents with you FREEZE ANY AND ALL INFORMATION AT ONCE. please explain why you released my personal information after I froze it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This has to do with my earlier case number XXXX with CFPB. First of all, let me congratulate you, CFPB, for playing the good catalyst or policeman or XXXX type role, thus making sure that my case was handled appropriately, correctly, with all the evidence and analysis i had provided, regarding the 20 fraudulent ATM cash withdrawals and associated fees, that had occurred in XXXX in XX/XX/2022 earlier this year. Citi Bank has refunded me the stolen money, but they missed one transaction, only 19 transactions were counted by them, although my appeal letter clearly pointed this out also. so, i am bringing this up, an inadvertent banking error, or typo type error, let us say, and i would like this to be addressed by them also. I am very much convinced that CFPB involvement here made sure that Citi Bank did the correct thing, chose the side of truth, light and fairness instead of untruth, darkness and XXXX. Thanks very much for your help. 
ps : PLEASE TELL YOUR FRIENDS PERSONAL REQUEST FOR HELP from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX EMAIL IS XXXX MOBILE NUMBER IN USA IS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX OF USA,,,, XXXX XXXX XXXX 
THANKS VERY MUCH FOR YOUR HELP, SUPPORT, SPREAD THE WORD, GOOD VIBES, BLESSINGS ETC.,, PLEASE TELL YOUR FRIENDS.. 
REGARDS AND BEST WISHES. XXXX ... 
YES, OUR CHILDREN XXXX, WERE XXXX, YES

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 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Was selling something on XXXX XXXX and they messaged me wanting to buy it. Once they confirmed they wanted it they said they would use XXXX. They said to check my email for the payment and once I checked it I received an email that stated they needed to send an additional {$300.00} to upgrade my account to a business account in order for the {$80.00} to be released to me. I then spoke with them and they said they received the same email and would send the {$300.00}. I got another email confirming they sent the {$300.00} but in order for me to receive the money they needed me to send the {$300.00} FIRST and send a screenshot of proof then they would release the full {$380.00}. I sent the {$300.00} and the proof and then realized that I got scammed. The person removed themselves from the conversation once I called them out for scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: FL

Complaint narrative:
Personal information was not updated at all to reflect actual information I sent, and they did not remove one inquiry at all I did not give them VERBAL or WRITTEN PERMISSION to add these to my report according to law, all inquiries need to be removed immediately or will be forced to take matters to court with intent to sue for each violation up to a {$1000.00} per violation According to 15 U.S.C 1681 Section 604 A Section 2 : It 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. 

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

They are violating at least 6 different laws upfront correct this or will be charged for each violation. I do not give them permission please delete all inquiries and update personal information correctly. Company has failed in there investigation to do delete anything I have contacted them about this since XX/XX/2022 and they are not complying with the law still

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: LA

Complaint narrative:
On XX/XX/XXXX I wrote a letter in accord with 605 - 15 U.S.C. 1681c ; 605 Requirements relating to information ( d ) Information Required to be Disclosed section ( s ) ( 2 ) Key factor in credit score information to inform you that various violations have been made against statute which explicitly stated below ( SEE BELOW ) which has been ignored, violated and has resulted in unlawful practice and deduction of points at minus XXXX XXXX over the course of 3 weeks for unclear, inconsistent reasoning, done without cause or justification of such practice being bias of officers and/or employees. 

Again, on XX/XX/XXXX I wrote letter in accord with 605 - 15 U.S.C. 1681c ; 605 Requirements relating to information ( d ) Information Required to be Disclosed section ( s ) ( 2 ) Key factor in credit score information to inform you that various violations have been made against statute which explicitly stated below ( SEE BELOW ) which has been ignored, violated and has resulted in unlawful practice and deduction of points at minus XXXX XXXXs over the course of 6 weeks for unclear, inconsistent reasoning, done without cause or justification of such practice being bias of officers and/or employees.

Statute 605 - 15 U.S.C. 1681c explicitly states the terms in which such deductions shall be made as well as the ethical manner in which such changes are to be reported on the specified consumer.

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 2022-08-24 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: NC

Complaint narrative:
I am a natural living man. I am a human being. I have rights under 15 U.S.C. 1681 EQUIFAX and XXXX XXXXXXXX is governed by 15 USC 1681 and they have violated my rights numerous of times. I demand this account be removed due to the following reasons. 

EQUIFAX and XXXX XXXX XXXXas erroneously since 2019 reported negative and false information to my credit report. 

This entity is reporting a charge off account monthly on my credit report. 

I have asked them on multiple dates to provide verification of account but they have ignored my consumer rights and requests and proceeded to report this inaccurate data. 

According to 15 USC 1681 : I have the right to accuracy and privacy and I did not give EQUIFAX nor XXXX XXXX XXXXritten permission to furnish this account. 

Account Numbered # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of 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 non-monetary relief
Consumer complaint received 2022-08-24 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: CA

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I received a Home Modification due to XXXX on XXXX and to stop a foreclosure, of becoming nearly 3 months XXXX behind on mortgage of XXXX. At that time I was with Bank of America ( FHA/fixed rate ) and I had spoke with them Mortgage dept. and was told they can do a Modification to stop foreclosure, due to ( {$2100.00}. late ) The mortgage Representative, Bank of America said they will expedite XXXX  package of documents with tabs attached to just initial it and sign and date return same day and so I did. Once they had processed the Modification I received the documents of Partial Claim Deed of Trust dated XX/XX/XXXX Dept of Housing and Urban, Principal sum of ( {$20000.00} ) as being charged for modification as a second Lien, ( case # XXXX ) I had reached out to Bank of America mortgage department on many occasions asking why so a high rate of charges, explain to me, and I had left so many messages and never ever received a call back at all. I never received a breakdown as to the principal amount they charged. Within two months they transferred my Mortgage 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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My name : XXXX XXXX Ph # XXXX email : XXXX Name on Account : XXXX XXXX XXXX XXXX XXXX Citibank XXXX NY Branch Date promotional deposit of {$100000.00} made : XX/XX/XXXX I made a deposit of {$100000.00} into my above Citibank on XX/XX/XXXX under the Citibank promotional deposit scheme that {$1500.00} will be credited into my account after XXXX months and if money remains in the account for 6 months. 
The money has remained in the account for over 1 year ( actually money balance is still {$100000.00} in the account as of date XX/XX/XXXX ), but Citibank refuses to honor their commitment to credit me with the promotional amount of {$1500.00} into my account. 

I have contacted XXXX XXXX XXXX, XXXX Citibank XXXX, NY Branch repeatedly for over 9 months now, but she refuses to credit the {$1500.00} promotional fee amount. She keeps saying " matter is escalated '' for last 6 months ( after initial complaint ) now, and I feel that this is going beyond normal and routine delay. 

Please help me get the {$1500.00} promotional fee that they advertised they will pay, and ask them to honor their commitment, after keeping my {$100000.00} for over one year now. 
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 monetary relief
Consumer complaint received 2022-08-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent Equifax a copy of a report from XXXX noting my second credit card. Limit credit amount of ( XXXX ) {$10000.00}. .They did not include this information on my credit report from them. They sent me a credit report that I did not ask for, they circumvented my request. This must be including in my report to be fair.This letter was sent via US Certified letter, both included in this complaint. Please review the information that is uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account numbers XXXXXXXX Caine & weiner {$250.00} XXXX XXXX XXXX XXXX {$540.00} XXXXXXXX  U.S. Department of education XXXXXXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$500.00} 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 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
For business purpose, I sent a tranfer from my XXXX  bussines account to XXXX XXXX 's Bank of America account on XX/XX/XXXX XXXX. The wire tranfers was received in Banck of America but it did go through to XXXX 's Account, it is on pending status in Bank Of America. I have been waiting for two months for this issuse to be resolved. The amount is {$12000.00}. I have called many times and they just said it's in pending status. The wire tranfer was canceled ending XXXX, and Bank of America has not sent my money back. This is urgent for my because its my money, I need to pay my bills and it is ilegal to appropriate others 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 2022-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My father has a Capitol One account where he is the primary and I'm an authorized user on the account with my own card. I could not get into the Capitol One app, so I called the number on the back of my card to check the balance and find out when a payment was due. Majority of the time, it would tell me that there was not a due payment. Because of the high credit limit ( {$3000.00} ), I made payments 2x a month ranging from $ XXXX {$350.00}. 

Two weeks ago, I was finally able to get into the Capitol One application and it said that our account was restricted. I contacted Capitol One customer service XX/XX/XXXX and the rep would not provide an exact reason why, stating that it was in a letter my father should have received. My father had just moved from XXXX XXXX XXXX and believed that was the reason. She did not confirm or deny, but stated that to resolve the accounts, we needed to fax personal security documents such as birth certificates and social security numbers to a fax number she provided. I looked today and saw the accounts are still restricted, so I contacted Capitol One customer service again. 

However, this customer service rep says that they CAN NOT fix the accounts and there's no way to reinstate them because there were possibly delinquent payments. Prior to the call, I called to check the balance and it said a payment was not due until the XXXX of XXXX. I asked her why the other representative needed those documents as though that would fix it and she did not explain. Worse than that, there is no documentation of the conversation we had on the XXXX with the rep, my father and I and the whereabouts of where he faxed his personal information to is unknown. The representative stated that she would make a report about it but at this point, I don't know if I can trust that as it's become very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
I have requested removal of the mortgage insurance payment from my loan due to having well under 80 % XXXX in my home. This is the information I sent to BSI Financial, my mortgage holder on XX/XX/2022 -- -- -- -- - This letter is to request the removal of the mortgage insurance on my loan. I have made XXXX on-time payments and the loan has seasoned 2 years. The appraisal of the home at the time of purchase, which is in your file, indicates an appraised value of {$330000.00}. The principal balance of my loan is {$250000.00}. Which is 77 % of the appraised value. 

I have also included our county property appraiser 's office market value report showing a current market value of {$380000.00} as supporting evidence of current market value. My current loan to value ratio based on this is 66 %. 

Please remove the mortgage insurance payment from my account. 
-- -- -- - I received a denial letter dated XX/XX/2022. ( More than 30 days of my request. ) I had also explained to the lender that I could only put 10 % down at the time of purchase because I needed to reserve {$40000.00} cash to make immediate improvements to the property after closing. 

I just received my 2022 property tax statement from XXXX XXXX, FL taxing authority showing the market value of my home to be {$440000.00}. ( I will attach. ) I think BSI Financial is unfairly retaining the mortgage insurance on my mortgage loan.

Company response to consumer: Closed with explanation