vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: NJ

Complaint narrative:
I Sent my letter off on XX/XX/2022, I told the credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I send out and here is the USPS Tracking # XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained thought personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not a proper investigation according to the law. Also every piece of information on those accounts are still not reporting 100 % Accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Account listed below : Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX Account # 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 2023-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Our escrow account was charged tax by mistake. 100 % XXXX we do not pay any tax. This raised our payment over {$1000.00} more a month. 

We told them and they readjusted however for XXXX  not XXXX. 

We told them we wanted an escrow analysis ( insurance went up a little and we can pay the overage on that so our payment could stay about {$2200.00} a month ). 

Instead theyre still charging us XXXX XXXX this month ( XXXX ) and then lowering to $ XXXX which is still {$100.00} more than before when we can make the payment on the insurance overage. We shouldnt be paying an extra {$1000.00} this month either.

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 2023-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sherloq Group, Inc
State: CT

Complaint narrative:
I have contacted Sherloq multiple to asking to validate my debt with my signature allowing them to have my medical information and my signature validating my debt. They refuse to do so. I have have stated multiple times that I do not claim this debt and was never presented with a bill of this debt. They continue to call me after I asked them to not. I have contacted them over 30 days ago and they never responded till over 60 days later. 
I request that this debt be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Bank : Chase Bank NA Issue : Transaction Fee for XXXX Purchase Date of transaction XX/XX/XXXX Date of Fee XX/XX/XXXX Issue : Chase bank is now charging " Transaction fees '' on XXXX usage on credit cards without warning. They are also charging high-interest rates on the fees without warning or notification. 

Attempted resolution : Attempted to ask for a reverse of the charge via customer service. It was first stated by an associate that Chase had no responsibility to notify customers of the change as it was XXXX that changed their transaction category. I was also told no charges could be reversed. I asked to be transferred to a supervisor who indicated that one of the charges could be reversed but not the others. She then mentioned Chase DID have a responsibility to notify its customers and I should of received a letter. I explained that I did not get a letter and I should of been notified via email or on the Chase website, which she indicated they had not done. 

Chief Complaint : Chase is attempting to use service fees and interest rates to attempt to generate income on unsuspecting customers without warning of possible fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime Bank has closed my account for no reason. I can not get any specific details to exactly why my account was closed and Ive provided my verification documents many times as well as my name phone number XXXX and email address XXXX I have no idea why my account was closed and then sent documentation to verify my identity which is me and chime still closed my account for a routine check up which makes no sense only thing I did with my account was add {$350.00} cash and pay a ticket. I didnt purchase anything else or enroll in any business products with my chime account or change any account information. Nobody can give me a straight answer and I rely on this account for my bills and other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: FL

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

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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: FL

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

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi bank account and deposited a money order from XXXX and my account was flagged as high risk and closed. A money order I payed for myself and wrote to myself to be able to make a first deposit as a check deposit.

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 2023-02-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/23 I went to a Truist branch location to deposit a {$250000.00} check drawn on a Truist account. I requested to deposit the Truist check into my Truist checking account and then pay the HELOC balance ( approximately {$170000.00} ). The first representative told the teller to cash the check, pay the HELOC, and deposit the remainder in my checking account. The branch manager then came over and told the teller not to do that and to deposit the check into my account. The branch manager then loudly explained that they could not cash a {$250000.00} check. When I explained that I didn't want to cash it, I wanted to deposit it and pay off my HELOC to avoid paying additional interest he loudly stated again that with a large deposit of {$250000.00} they could not do that. I explained that the other representative said they could do that to which the branch manager said loudly again that they couldn't do that with a {$250000.00} deposit. I asked him why, in a room filled with people, he would loudly state the amount of my deposit. His disregard for my privacy by announcing the amount of funds could very well get me robbed! The teller then stated that only a deposit of the Truist check to my Truist account could be made and that a hold would be placed until XX/XX/23. I explained that the money is in Truist and that a hold will cost me over {$100.00} in interest on the HELOC as I am not able to pay it off. The teller stated there was nothing she could do. The Truist check was deposited into my Truist account. Now I must wait out 5 days to pay my HELOC account. This delay, will cost me approximately {$140.00}.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This has been going on for 4 years now. I tried to fix this two years ago, but Bank of America refused to remove the negative remarks from my credit, despite the debt being paid off, and it's affecting my ability to own a home. In 2019 I reported 2 frauds on 2 different credit cards I had with Bank Of America. One of the claims was approved and the second was not approved, when I asked why one of the claims was not approved when they were filed the same day and for the same reason, no one could give me an answer. I was told I would need to pay over XXXX dollars. I reopened the claim and filed a police report and collected information from my employer, including XXXX, the company through which my company used the email client where it showed that the person 's IP address that hacked our company was in XXXX XXXX. During the investigation, the money wasn't paid because the claim was still open, but at the end, after sending them about XXXX pages of proof, police reports, etc, Bank of America said I was still liable and had to pay the amount. My employer was nice enough to reimburse me because we were hacked and that's how my personal card was compromised. The issue was that BoA counted the time of the open investigation as late payments when the person at their local branch AND ON THE PHONE said, that wouldn't count against my credit score. They refused to remove the late payments while the investigation was going on with the police. I have been fighting to remove this for 4 years and it's affecting my ability to buy a home. I owe BoA nothing, I paid the XXXX for which I was scammed and they still refuse to remove the late payments from my credit score. Please help me. If this does not work I have to file a report with the FBI for the online fraud and see if this will escalate things with BoA.

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 2023-02-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
Summer XXXX : I inquired my mortgage company ( U.S. Bank Home Mortgage ) for a private mortgage insurance waiver based on the new evaluation of my home. I have completed $ XXXX in renovations, and have owned the property since XXXX. This time period saw a large spike in property values in my market, but the appraiser gave an extremely cautious valuation just under the amount needed to waive my {$150.00} PMI payment. They rejected my alternative comps, and I waited for new comps to hit the market. The property valuation came back at over {$100000.00} less than the average of XXXX, XXXX, and XXXX were estimating. 

XX/XX/XXXX : I Called US Bank again to request a new appraisal. I was notified that there would be an additional {$100.00} fee, which I paid over the phone. I was told to wait 2 weeks to hear back from an internal broker to go over a new evaluation. 

XX/XX/XXXX : A month after the inquiry, I called US Bank for a status update. I was notified that the fee I paid was misapplied as a {$100.00} principal payment, so it had to be withdrawn from the principal balance and re-applied. I asked when should I expect a call from their internal value broker and was told it would be relatively quickly since they made an error. 

XX/XX/XXXX : I never get exact details on the status of my request when I call, and I don't know what other options I have at this point. My PMI premium is expensive and makes a difference to my family, and I am starting to suspect that US Bank is suppressing valuations in order to keep these policies in place to mitigate risk. Delaying this process means the comps in my neighborhood are getting older. I have never missed a payment, and my neighbors house sold at nearly double the price per square foot in XXXX ( its a smaller house on a smaller lot ). Any assistance would be greatly appreciated,

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX accounts ( XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) have violated my rights. 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604 2 It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: MI

Complaint narrative:
Unifin is calling my phone asking me to verify my social number and refusing to answer my questions about the legitimacy of the business. They stated they have a personal matter with me. I told them if you are a business then you have a business matter with me. I asked to speak with supervisor. Even supervisor was bo help. I just want to know who they are and what do they want? 

XXXX is the number they call me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: PA

Complaint narrative:
Enhanced Recovery Company is still showing up on my report in the amount of {$290.00}. It also shows the account is open, which is incorrect. It also shows that the account was paid on XX/XX/2021. I paid this balance and the company notified me that they would sent a request for delete to the bureaus automatically after paying the debt to have it removed from all of the bureaus. However, the account continues to show and has not been removed as previously stated by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Attached : Exhibit 1 : Paid off lien with XXXX XXXX XXXX on XXXX/XXXX/2022. The account was considered settled in full and closed by XXXX. 

Exhibit 2 : Received letter dated XX/XX/XXXX22 from Ford stating that the security interest for the XXXX has been satisfied. 

Exhibit 3 : Tried several times, first with XXXX and then the XXXX  XXXX to apply for a title only to find out I needed to get electronic lien release from Ford credit. Contacted Ford credit 4 times since XX/XX/XXXX22 with no resolution. In fact, the customer service department had no clue or interest in trying to resolve this situation. They didnt know anything about their own letter releasing security interest nor would the let me email them a copy. Im very frustrated with Ford as I have 2 more autos which are Fords. Always believed in buying American, but may reconsider.

Exhibit 4 : Ford Credit and XXXX XXXX XXXX Information Customer service phone # 's account # 's, and Vin #.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
my PMI was not automatically canceled once the ratio reached 78 %. 
i am currently at 74 %, 4 % past the supposedly automatic PMI Termination level. 
I requested the 4 % over payment be either refunded or applied to my mortgage principal and was told no by the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone fraudulently opened an account at Neiman Marcus under my ID with Capital One ( CO ) and charged {$5000.00} immediately. It was part of multiple cards that were opened within a week of them getting my information. My first contact with CO was in XXXX where I explained to them the situation. They shut down the account while looking into it. I have called monthly to do check ins on status updates with no new information. After 2 months and no contact from them I just found out they denied it based on looking up the information from the application only. They did not call/contact me about more details ( What Clothes were bought, where was I that day, what do I look like compared to video, etc? ) and only me following up did I find this out. You would think someone randomly maxing out a brand new card from a store would be a red flag, that actually happened at XXXX who denied the card, but they don't seem to care. I have only ever spoken to account managers but no one from the fraud department and until I reached out I had no idea what was going on. I ended up making a payment on it just so it wouldn't hurt my credit. Its been a total waste and can see they probably do this a lot and hope people just pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: MI

Complaint narrative:
False information and without permissible purpose

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