vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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: MI

Complaint narrative:
On XX/XX/2022, I sent off the investigation letter to make sure all of my accounts were properly investigated, and to make sure everything was 100 % correct. The credit beaureaus stated that the date the account was opened was XXXX. That information is incorrect. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2. 

The law clearly states a consumer reporting agency can not furnish an account without my written instructions.m I havent given these accounts written permission to furnish these accounts 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 2022-07-15 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: Finance of America Holdings LLC
State: WA

Complaint narrative:
I have a hard inquiry on my XXXX account from XXXX XXXX on XX/XX/XXXX which I called them back in XX/XX/XXXX, They said they are a third party and the company that told them to pull is Finance of America LLC, and gave me their phone number and the representative to speak with. I called the number and the business said they would have the representative give me a call back to discuss. No one ever called me back. Today, XX/XX/XXXX I have tried calling XXXX XXXX again and their phone number is no longer in service, I called the number they gave me for Finance of America LLC and the calls go straight to voicemail. I look on my XXXX account and see a hard inquiry for the same date, XX/XX/XXXX under a different third party, XXXX, so I called them and they said again they are a third party for the same company, Finance of America LLC. I told them about my XXXX inquiry for the same thing and that I DID NOT authorize this inquiry. XXXX said I could file a dispute through their email but that is only for the inquiry on the XXXX account and not for the XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I deposited XXXX checks to broker XXXX XXXX of XXXX, NJ to invest in XXXX investments. XXXX check # XXXX for {$29000.00} was drawn on XXXX XXXX  and was paid out. XXXX checks were drawn on Bank of America from my personal account Check # XXXX for {$45000.00} and the other from my nonprofit account ( approved by the IRS ) Check # XXXX for {$16000.00}. The first check # XXXX has been paid out in full and was credited with XXXX investments. Check # XXXX has vanished without a trace and Bank of America has no explanation now. Some time elapsed as my wife passed away in XXXX and all the money operators knew she was getting dues from various sources. I needed time to recover and regroup when I noticed the discrepancy about a month ago. The new XXXX at BOA has given a copy of the endorsement of the back of check # XXXX that XXXX sent the check for collection. But I did not see the amount reflected in the annual return for XXXX or XXXX. Moreover, XXXX XXXX is lying to me saying I stopped payment on the check. Then saying the check was sent back to me XXXXUSPS both XXXX on XXXX different occasions. I didn't ever receive a returned check # XXXX. And it had hit the bank already as evidenced from the back of the check. BOA now knows I didn't stop payment because there is no record of a stop payment or no funds in the account. To date, the new XXXX has had no answer. I further recall I had a falling out with the old officials of BOA for not paying a bonus on one of the term deposit accounts in XXXX XXXX. The email exchange between the BOA officials and myself shows this is exactly the time check # XXXX vanished without giving me the benefit of the deposit which was made by XXXX XXXX. No photo copy of check # XXXX could be retrieved from anywhere.

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 2022-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
In late XX/XX/2022 I contacted US Bank to remove PMI from my primary residence. Having a conventional loan I knew that this would require me to pay for an appraisal and require adequate XXXX. After initiating the process the bank sent paperwork to be signed and mailed back which was completed in XXXXXXXX XXXX. Not hearing anything for weeks I contact the bank and asked where we were at in the process. The agent confirmed the packet was received and someone from the PMI department would reach out. I asked for a direct phone number as to not delay the process and the rep stated they do not take incoming calls. We waited another several weeks and still heard nothing so I decided to contact the mortgage customer service once again. I immediately asked for a manager ( XXXX ) to ensure I was getting correct information. This truly was the worst interaction I have had with a financial institution. XXXX was abrasive, talked over me, and had no knowledge of the process as he stated he could not locate the complete PMI removal packet which was confirmed several weeks earlier to be received. Not being able to locate the paperwork XXXX initiated the PMI removal packet to be sent again. I filed a formal complaint with XXXX and the correspondence received via snail mail was that they did not receive the payment needed for the appraisal which is not clearly outlined in the packet. In the packet it stated that you will be contacted by the vendor to schedule the appraisal and to collect the payment. ( screenshot attached ) on Friday XX/XX/XXXX XXXX Bank was contacted the PMI fee has been paid.

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 2022-07-15 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: GA

Complaint narrative:
This is a notice of violations pursuant to the Fair Credit Reporting Act. The consumer reporting agencies have violated 15 USC 1681b ( 2 ). I never provided them written instructions to furnish a consumer report on me, but yet they are doing so and with inaccuracies that are damaging my reputation. 

I have recently pulled my consumer reports again today, XX/XX/2022, and find that the consumer reporting agencies are still violating my rights. 

Pursuant to 15 USC 1681b ( 2 ), you are to remove ALL negative accounts as it pertains to me, the consumer and natural person. You are also to mail me a copy of the updates to the address provided. See attachments of the accounts that are to be deleted immediately. 

In the attachments, you will also see all 3 consumer reporting agencies ' failures to ensure the maximum possible accuracy as well which is another violation under the FCRA.

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 2022-07-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THERE IS A BANKRUPTCY SHOWING FROM XX/XX/2019, REFERENCE NUMBER XXXX. I DID NOT FILE THIS AND I HAVE TRIED NUMEROUS TIMES TO DISPUTE IT. XXXX XXXX WANTS ME TO JOIN THEIR SITE WHUCH I WONT DO. AND XXXX NEVER ANSWERS THEIR PHONES OR COUNTLESS LETTERS. 

IT IS IMPOSSIBLE THAT I FILED THIS BECAUSE I WAS INCARSERATED IN PRISON AT XXXX XXXX FOR XXXX XXXX XXXX CALIFORNIA AT THE DATE IS SHOWS. ALSO IF YOU LOOK AT MY REPORT YOU'LL SEE ALL THE ACCOUNTS I HAVE ARE NEW BECAUSE I AM NO LONGER INCARSERATED AND ALL PAID ON TIME. 

XXXX REMOVED THE BANKRUPTCY BUT I CAN NOT GET ANYONE VIA EMAIL, LETTER OF PHONE CALL AT THE BANKRUPCTY OFFICE TO TALK TO. HELP XXXXM TRYIN TO START A NEW LIFE AND BEING A FELON ISN'T EASY. 

YOU CAN CALL ME XXXX OR WRITE ME BACK. 

I BEEN TRYING TO DO THIS FOR OVER A YEAR AND ITS NOT FAIR.

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 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX ; Account Number : XXXX Bal : {$340.00} XXXX  XXXX  ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00} XXXX XXXX ; Account Number XXXX XXXX Bal XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: NY

Complaint narrative:
I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. Please find the ATTACHED of identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collections, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got hit with {$140.00} in overdraft fees within a period of 2 days because I was unaware of certain electronic transactions.

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 2022-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I, XXXX XXXX, XXXX have submitted several disputes from XX/XX/2020 until present day concerning a late payment reported due to the global XXXX crisis. My mail was effected pandemic which caused my mail not to reach within the allotted 21 day window creditors are given to send out invoices to its consumers. My consumer report shows a 30 day late payment. The information I've received from the most recent representative said it was too late to dissolve the information because its been too long. I have written several letter via certified mail attempting to discover why is it that I'm exempt from the programs that are/ were in place due the pandemic. The unfairness and disrespect is unacceptable and I would like a favorable resolution to my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: NJ

Complaint narrative:
I sent letters off on XXXX XXXX, certified. 
here are my certified letter numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third party people. 

This is a clear violation of my federally protected consumer 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 non-monetary relief
Consumer complaint received 2022-07-15 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: NJ

Complaint narrative:
I sent letters off on XXXX XXXX, certified. 
here are my certified letter numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third party people. 

This is a clear violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX, CA XXXX On XX/XX/XXXX at XXXX I deposited about {$7000.00} at ATM # XXXX and the machine froze for some time and gave me only a check stating that the machine could not return my banknotes and could not process my request. And they asked me to call and open the claim. On XX/XX/XXXX I called and opened claim # XXXX, 2 months later XX/XX/XXXX I got a response from the bank that unfortunately they have not found any records and denied the claim. I called them and asked them to reopen the claim, but they refused. Went to the bank branch and along with the bank, the representative called the claim department the answer is the same we don't have any records.

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 2022-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates. I keep telling these people that this account is not mine. its been 7 years now and they keep " disputing '' it maybe 5 or 6 times now but its not going away for reasons I don't even know. This account was opened in XXXX. So that would mean I was XXXX or XXXX at the time. I am now almost XXXX. I now have XXXX kids and still am unable to independently put a rood over my children 's heads because this has been on my credit report and following me for years. All over something that is not mine. the amount is over {$800.00} and I don't have money just laying around to be paying off things that aren't even mine. This has been a nightmare and I just want it to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: MI

Complaint narrative:
hello, I paid off my loan on XX/XX/2022 On XX/XX/XXXX, Westlake took a " payment excess '' additional payment of {$490.00} I stated calling in XXXX requesting they refund my overage After making four calls to request the refund and was repeatedly told to call back in two weeks I requested in writing they return the extra payment they took in XX/XX/2022 After 70 days they have not returned the extra payment they took after the loan was paid off

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 2022-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I reported fraudulent charges made to my account. My original card was damaged and asked for a replacement card. I never received the replacement card, and from what the creditor told me, the cards ship in the mail already activated. Someone used my card multiple times in XXXX & XXXX. I reported this late XXXX and talked with the creditor in XXXX regarding the charges. They removed them but I received a letter on XX/XX/XXXX stating that there wasn't enough evidence of fraud and they put the charges back. I've tried numerous times to reach the investigator and she will not return my calls and no one else will help with the claim. 

XX/XX/XXXX {$1100.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$440.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$78.00} XXXX XXXX {$47.00} XXXX XXXX {$210.00} XXXX XXXX {$180.00}

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