vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the XXXX XXXX breaches. I decided to look at my credit reports 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a fixed loan at BankAmerica I just received notice that my application was denied do to that fact that I bought a property during the process. I disclosed such to the bank. 

I have a credit score of XXXX. Network {$7.00} XXXX. Been with the bank for over 50 years. 

Have an existing HELOC with the bank of $ XXXX, with a drawdown of $ XXXX. I was attempting to close this with the fixed loan. 

I can only surmise I was denied due to age discrimation. I am 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 monetary relief
Consumer complaint received 2021-09-14 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: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. 
I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX TransUnion background information is beyond the reasonable time frame for remaining in any reporting of my driving record or other background information. Ive done what is obligated to never see anything appear on my background report XXXX is ridiculously and out right insane to report anything beyond a 10yr mark especially traffic violations and cases of which are incorrectly stated and reflection as the law has it today states it is misinformation there's nothing to expose. Any crime conviction is reduced to lowest level and these are inaccuracies and ancient and should never be allowed to be seen unless by a judge in a trial or courtroom. Please correct these things and no longer should appear in my history of any kind. 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 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX I'm tired of this. We want to move on with our lives. 

It is against the law to exchange money for XXXX in the state of Texas. Period, full stop. I have clearly stated XXXX activity occurred and furthermore it was NOT CONSENSUAL. 

I can either a ) not be forced to pay for my own XXXX, or b ) file with law enforcement against the business. 

Either way, the receipts are the exchange of money for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Home Account that was in good standing for 18 months had regular payments, and was paid off less than 6 months ago* ( XX/XX/2021 ) was closed based off of out of date reasons that were from 4 years ago.I 've clawed my way back to rebuild my credit and they've lowered my limit every fiscal quarter for 18 months with the same reasons. They've negatively effected my credit score by reporting 100 % utilization the entire duration of account until I paid the balance. 

As soon as my credit score goes up they undermine any efforts and I work for a retailer that uses their services. Also my father was on the account and they stated that I had no form of real estate but he's a small business owner of 30 years. They're falsely claiming financial instability without actually experiencing any behavior. I realize that them crying wolf isn't against the law but it's bullying on fiscal level that's derailing any form of accurate credit reporting.

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 2021-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I am writing in response to Specialized Loan Servicings letter dated XX/XX/XXXX, which was in response to my prior CFPB case # XXXX, submitted by myself, the borrower of the mortgage loan ending in # XXXX, on XX/XX/XXXX. 

I am writing to re-address concerns with Specialized Loan Services violation of the Truth in Lending Act, Regulation Z. Specialized Loan Service stated that the mailing address on file, XXXX XXXX XXXX XXXX XXXX MA XXXX, was not a valid address. This statement is incorrect. The property address associated with the above-referenced loan, XXXX XXXX XXXX XXXX MA XXXX XXXX as well as ownership of this property, has not changed since inception of the above-referenced loan. Specialized Loan Services did in fact have a valid address on file to issue regular correspondence to, the property address, and failed to do so for 7 years, from the date of purchase of the loan in XX/XX/XXXX until 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 2021-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
On XX/XX/XXXX, my lawyer send a letter to Navient about contacting a relative who was not an authorized contact person. I requested that they stop contacting relatives. I also asked Navient to send promissory notes on the private loans they continue to hassle me about. Navient never showed the promissory notes for the private loans which have crippled my credit since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Card Acquisitions Group
State: KS

Complaint narrative:
On XX/XX/2021, I disputed an unknown account that appeared on my XXXX credit report. Rather than respond to the dispute/validation request, Foster and Monroe called me and left an inappropriate voice message today, XX/XX/2021. It was not a standard XXXX/mini-Miranda. It identified me as a debtor by name, threatened to add the negative tradeline on additional reporting agencies, and also threatened to make calls to my employer ( XXXX ). There was also a threat to show up and collect some " merchandise '' in person. I have no idea who they are and what they want, hence the reason for the dispute/XXXX. These tactics are illegal. I have copied screenshots of the voicemail transcript. I have a copy of the voice message saved. The dispute/validation request is still unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history to be added. This will justly reflect my payment history. Therefore, I request that Equifax immediately verify and add the enclosed payment history to my credit file. ( Enclose proof from Creditor ).

ALL ACCOUNT BELOW SHOULD BE ADDED TO MY REPORT : 1. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please ADD this ACCOINT to my REPORT as a POSITIVE account Immediately! 
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Please ADD this ACCOINT to my REPORT as a POSITIVE account Immediately! 

3. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please ADD this Account to my REPORT as a POSITIVE account Immediately! 
Please notify me within 30 days that the additional credit information has been added by sending an updated copy of my credit history report to my address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MD

Complaint narrative:
I AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. NO THIRD PARTY OR OTHER PERSON IS INVOLVED. 
I recently made a complaint regarding information or items listed on my credit reports that I did not authorize consent nor benefit from. I then asked you to block and remove thos items. 
The case was closed because you responded that it appeared someone other than myself submitted the complaints. 
I AM RESUBMITTING MY COMPLAINT ON MY OWN BEHALF in hopes that it will actually be looked into this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
New Rez, LLC put windstorm insurance on my house. I already had windstorm insurance. It appeared on my account on their website. However, they did not have my homeowners insurance on my account. I submitted the homeowners insurance. For some reason, they removed the windstorm insurance. Then charged me for the insurance they put on it. They still are not paying my homeowners insurance. They are charging me for windstorm insurance. It's absolutely absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: IL

Complaint narrative:
I have file complaint to remove hard inquiry from my report due to error from XXXX XXXX XXXX XXXX They have sent request to remove credit inquiry from XX/XX/2021 but that is not done yet. Only XXXX have removed inquiry yet XXXX and Equifax did not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had disputed inaccurate personal information to Experian via U.S Mail and through CFPB on XX/XX/2021 and on XX/XX/2021 Specifically asking to remove this erroneous address from my credit report XXXX XXXX XXXX XXXX XXXX, NM XXXX. I ask them specifically to provide names, phone numbers, employee numbers they spoke to during this investigation which I have ask according to section 611 of the FCRA. EXPERIAN HAS FAILED TO PROVIDE PROOF OF INVESTIGATION WAS EVER MADE SO THEY MUST REMOVE THIS ITEM ACCORDING TO FCRA RULES UNDER SECTION 611 all they said is one or more source REPORT that the address belongs to my credit history without providing proof. REPORTING is not proof of nothing CAN THEY PROOF IT REALLY BELONGS TO ME. EXPERIAN YOU HAD FAILED TO PROVIDE ANY METHOD OF VERIFICATION OTHER THAN YOUR E OSCAR USELESS RESPONSES, COMPLY WITH THE LAW COMPLY WITH THE FCRA OR WITH THE HELP OF CFPB I WILL SEEK LEGAL ACTION AGAINST YOU FOR ABUSING MY RIGHTS.

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 2021-09-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Security National Financial Corp
State: CO

Complaint narrative:
Dear Representative, My name is XXXX XXXX. I was approved for mortgage assistance through the state of Colorado and my case was handled by XXXX  XXXX XXXX XXXX XXXX in XXXX CO since XX/XX/2021. XXXX  XXXX XXXX XXXX XXXX send the check to the wrong Mortgage Provider XXXX XXXX XXXX instead of the XXXX XXXX. Proper Mortgage statements where send to XXXX XXXXXXXX from the XXXX XXXX, there was a document included in the documentation send to them that had information of my previous mortgage provider XXXX XXXX XXXX. Unfortunately for me XXXX XXXXXXXX could not recognized from the current mortgage statements the The XXXX XXXX is currently my mortgage provider and send the check to Security National mortgage in the amount of XXXX. I contacted XXXX XXXX XXXX as instructed by XXXX  XXXX XXXX XXXX XXXX to have them resend the check to me, so I could properly send it to the XXXX XXXX. XXXX XXXX XXXX claims they have not found the check whom they have cleared and I still have not received a refund. I desperately need these funds to make my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2021 I transferred {$500.00} from my Bank of America credit card to a joint checking account also with Bank of America. Both of theses accounts are available to me through the Bank of America online website. I am the sole owner of the credit card but I own the checking account jointly with my daughter who requested this money to cover unexpected medical bills. I chose to transfer this money from one Bank of America account to another Bank of America account believing it would be the quickest, most convenient and cheapest way to accomplish and meet my daughters emergency need immediately. 

Much to my surprise I was charged a {$25.00} transaction fee on XX/XX/2021 and on top of that {$8.00} of interest during the statement cycle. It is unbelievable to think that an internal transfer from one account to another at the same banking institution should cost me {$33.00}. I am confident that Bank of America is capable of completing this kind of account transfer for pennies if any cost at all. If I was to annualize the {$33.00} cost we are talking about 79 % interest, this is usury and should be illegal. 

I reached out to a Bank of America 's branch associate at their XXXX XXXX XXXX in XXXX GA on XX/XX/XXXX and was told that they could not assist me and that I should call the XXXX number on the back of my credit card. I did not make this phone call and used my bill pay service at another bank to payoff the {$530.00} balance on XX/XX/2021 to maintain my XXXX FICO score. 

I have every intention of reaching out to an attorney for guidance on what app appears to me should be a class action law suit brought against Bank of America. If XXXX companies can figure out how to transfer money at no cost to the consumer then so should Bank of America, not to mention that ACH and CORE Processing capabilities for internal transfers at the same institution already exist at little to no cost. 

In closing, shame on me for not reading the 8 pt font three page legal disclosure that I got with this account 20+ years ago and shame on me for keeping this account open only for emergency situations just like the one outlined above. I expect the CFPB to fine Bank of America the maximum amount under the law for charging exorbitant fees to its customers. I can only imagine how devastating these fees can be on some American citizens struggling due to the lasting Pandemic and Economic crisis our country has been in for the last 18 months. SHAME ON BANK OF AMERICA!!

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 2021-09-14 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: TX

Complaint narrative:
I previously submitted a complaint and the respoSne I received was that it appears that someone else or third party submitted the complaint and you were closing it. 
I AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF AND NO THIRD PARTY IS INVOLVED. 
AGAIN, I AM RESUBMITTING A SECOND COMPLAINT ON MY OWN BEHALF I DID NOT AUTHORIZE CONSENT NOR BENEFIT FROM THE ITEMS LISTED IN MY SUPPORTING DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: PA

Complaint narrative:
Transunion, XXXX and XXXX is reporting inaccurate information on my consumer credit report. They continue to furnish inaccurate information that was open fraudulently and/or reported inaccurately. This is causing adverse action to be taking against me. My personal information has been brought and sold to other persons. I did not give these CRA 's permission to do so or to advertise any fraudulent or inaccurate information. The furnisher duty is to investigate inaccurate information and conduct a proper investigation under the FRCA requirements. In regard to 15 USC 1681S-2 they have violated the law. The furnished information needs to be modified, deleted or permanently blocking the reporting of all disputed information According to the federal law ( 15 USC 1681 ) it states that consumer reporting agencies must ensure their right to report on the consumers report with fairness, impartiality and to respect the consumers right to privacy with regards to confidentiality, accuracy, relevancy, and proper utilization of information. They have failed to follow the federal law which is affecting my credit worthiness and reputation etc.

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 2021-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have file complaint to remove hard inquiry from my report due to error from XXXX XXXX XXXX XXXX They have sent request to remove credit inquiry from XX/XX/2021 but that is not done yet. Only XXXX have removed inquiry yet Transunion and XXXX did not remove it.

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