vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is a continuation of my original complaint ID # XXXX submitted on XX/XX/XXXX. First of all ; my mortgage held by Bank of America isn't an actual mortgage it was originally an equity out interest only line of credit that matured after 10 years into a fully amortized first mortgage. I had already paid off my first mortgage with XXXX. In early XX/XX/XXXX Bank of America demanded Wind Storm insurance coverage in the amount of {$730000.00} that was approximately {$470000.00} over the amount owed on my mortage. They took my additional Fire and Casuality insurance coverage amount of {$730000.00} provided by XXXX XXXX. I ensured my home for the {$730000.00} amount last year because the price of building materials were moving up in XXXX and the cost of Fire and Casuality insurance was very cheap. When BofA wanted the {$730000.00} in coverage it was over the maximum allowable amount that XXXX 's would insure. Since XXXX XXXX XXXX was the only insurance company that would write a wind storm policy in XXXX Florida I had no choice but to reapply with XXXX at a lower insurable value. As a result, it consisted of furnishing a 4 Point Inspection, Wind Mitigation Report on my home and a 30 day grace period before the insurance went into effect. This is the reason for the lapse in my insurance coverage. My new Wind Storm policy coverage with XXXX is for {$580000.00} or the most recent replacment cost of my home. BofA insisting on {$730000.00} in coverage is the reason for my lapse in coverage which allowed BofA to gouge me of the unbelievable amount of {$9700.00} for Wind Storm coverage from XX/XX/XXXX through XX/XX/XXXX. Considering my nearly 25 years of being a BofA customer one would think that they could mitigate the {$9700.00} lower or eliminate it all together. After all, my Fire & Casuality insurance with XXXX XXXX never lapsed and their wasn't any mentiuon of requiring Wind Storm insurance in my original loan documents. I argued the fact that Wind Storm was never mentioned in my loan documents with BofA 's XXXX XXXX and she said it was under " Extended Coverage ''. I found no mention of " Extended Coverage '' in any of my loan documents.

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 2022-11-01 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: WI

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

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

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-11-01 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: WI

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

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

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Speedee Cash Management
State: AL

Complaint narrative:
Hello! On XX/XX/2022 I went into Speedee Cash, XXXX XXXX XXXX XXXX, XXXX, Alabama XXXX. I tried to make a payment but, the doors were locked and all the computers and printers were gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
On XXXX I reached out to Transunion, XXXX, and XXXX and talked to XXXX at Transunion, XXXX at XXXX, and XXXX at XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The accounts that they are reporting are showing inaccuracies and inconsistencies and they are obviously reporting this illegally. Please help me delete these from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
This complaint is about the 3 credit reporting agencies ( Transunion, XXXX, and XXXX )XXXX One financial institution pulled my credit from all 3 agencies at the same time for the same credit but it's reflecting on my report as 3 different hard pulls which is negatively affecting my credit. I have 15 inquiries on my credit, 4 of them are creating triple inquiries. Information in the credit report that isn't disputable is affecting the credit score, Transunion states " insufficient length of credit history '', I've had a mortgage for the last 5 years and have an auto loan that has a 10 year term and I'm 6 years into it. XXXX and XXXX have similar statements " lack of recent insallment info ''. While each of these agencies allows you to dispute the information from the reporting creditor, there isn't a place to dispute the scoring method information they provide which isn't accurate.

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 2022-11-01 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: NY

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 5 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: OR

Complaint narrative:
I have been trying to get my credit report from credit Karma for months now, every to obtain this falling their instructions always keeps me going in circles. I have called them and asked for them to give me help many times but I can never ever get my true credit score or any type of information from them. I can however go to other services such as nerd wallet and get my credit score which states that it is a score of XXXX, it states that I have two revolving accounts and two installment accounts with no negative items. Other services for example when I went to go purchase a car I had told me my score was a score of XXXX  this is in complete discrepancy of what my actual credit report is. I have also attempted to call XXXX and talk to them I did once talk to them and they stated that I owed on two credit cards first off I was always told that XXXX would never call me but they did., After discussion with their representative I inform them a yes two of the credit cards were in fact mine at one time but due to Identity theft which is documented with the FTC doj and you that I could not contact them to talk to them about it or even make a payment, experience represented told me that I should have had insurance on the two cards I informed her at the time I did have insurance which I do in fact have insurance on these cards they showed them charged off in XXXX of XXXX still showing payments after that which I never did and also showing 90 day and 120 late pays, this is completely incorrect. I filed with the bureaus to remove these items which they refuse to do, however if I had insurance on these cards which I did they should have been paid off and recommended to me if this was taken care of which never happened the two credit card companies are credit XXXX XXXX XXXX and XXXX XXXX XXXX. Every attempt for me to contact these companies is future due to my phone being blocked from XXXX and by XXXX and XXXX I'm considering this a complaint and I will be going to the media this afternoon to make this public because it is false erroneous and flat out lies I also have an original report from annual credit report which is the most accurate in my possession which shows the information on there quite different from what they are reporting on my current credit report I doubt that they know that. I'll be filing next with the cfpb my reports against XXXX, XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I submitted an electronic payment to XXXX XXXX XXXX ( Jp Morgan Chase auto ) in XXXX through my chase account. Due to intermitted internet connectivity caused by the hurricane the payment never reached its destination. As soon as I found out what had happened I immediately resolved the issue. Unfortunately this was over 30 days and now I have a late reporting on my credit report. I have a perfect history of payment. This was no fault of mine. I called chase and spoke with several departments with no regard for the situation. I would like for the late to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
My husband initiated our paycheck deposit by online transfer of {$7100.00} from his business bank to our Chase Bank personal account on Friday, XX/XX/XXXX. He does this exactly the same every month, and has for the last 4-5 years. He was told the money would be available XX/XX/XXXX or XX/XX/XXXX, and our account shows that it was received. However, we were notified by the bank yesterday that the deposit is on hold until Friday, XX/XX/XXXX, no explanation. My husband contacted them and was on the phone with them for two hours this morning, but unable to get any explanation or a reversal. After trying to blame his business credit union, the most he was told was that the money is " nowhere, '' and that neither they nor we can access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX ; XXXX XXXX XXXX XXXXXX/XX/2021 and XXXX XXXX- XX/XX/2021. I demand the deletion of these inquiries from my XXXX report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
We fell into a few hardships since XXXX and have struggled to pay the auto payment. We have called numerous times since the end of XXXX to work out arrangements and try to get into a borrower assistance program. Capital One Auto have only offered a payment " catch up '' plan. This would be a decent program for others who may be one month behind ; however, we are going into our 3rd month. We had extensive auto repairs on my vehicle then had to pay extensive repairs on the truck purchased with this creditor. I recently called to let them know the co-borrower on the loan had been laid off and we could no longer afford the catch up plan. I requested some further assistance and again was only offered the same program. This is not helpful. When I have asked to speak to a supervisor, I'm told they aren't available and will call back. We are not wanting to default but we need help that Capital One Auto does not seem to want to offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Green Square Company LLC.
State: PA

Complaint narrative:
I received a call on XX/XX/2022 at XXXX eastern time. They called identifying themselves as PRG collection agency -- by the way the second time I called them they had a different name. They first called my wife and threatened her, then they called me and threatened to put a lien on my home, take me to court and have a judgement against me and my family and I could possibly go to jail. The woman yelled at me and was nasty. It was very scary. My wife is at home alone with our small child and these people are threatening over a PayDay loan for XXXX -- XXXX XXXXXXXX XXXX THAT I NEVER TOOK OUT. EVER. They threatened me, my wife and my home.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life.

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Acount # XXXX, has violated my rights. 15 U.S.C 1681 section 602. A States I have The right to privacy. 15 U.S.C 1681 SECTION 602 A. States a consumer reporting company or website can not fumish an account with out my written instructions or Agreemnets.I did not Give experian.com or XXXX my written consent To Report these Six late payment negitive items on my Cridet. Please help me! Experian is the only credit place that is refusing to remove these Items all The other credit place have removed my negtive Items from the reports.

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 2022-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life

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 2022-11-01 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: OH

Complaint narrative:
they never sent validation letter certified mail, you need tracking numbers i have it plus receipt i can provide upon request. and no personal interviews was done plus they only said verified as accurate and it has been over 30 days and never mark it being disputed when i sent in the request. where i never gave written permission to these accounts and i only have one address that is on my id not ot any other address and no permission giving. i beleive they are not following rules being fair and understanding of the law. it like they skipped a chapter.

all the inquiries are still on there its not factual as they say they never shown my signature in any case remove and also the accounts i provided in docs.

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; 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 through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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.

According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.

XXXX  and other keep saying verified and accurate with no changes made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made. Thank you Mr. CFPB for looking into this.

please follow up with this usa cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase problem! 
On XX/XX/XXXX, when I found my card was not working when paying for my meal, I called chase, and they said there was a problem ( unable to disclose to me ) so they decide to end relationship with me, close my card. 
The bank said the remaining funds would be mailed to me in 15 days, and I confirmed this to a banker in a nearby branch. 
But when I went there again XX/XX/XXXX, they say the funds are still in card ( {$7100.00} or so ) and no check was sent out. The account was official closed in XXXX XXXXThere was no way that they can contact manager or someone from XXXX, because even through internal phone call there superiors told that they did not understand why this happened. 
I tried phone the customer service, every time they said it is under review, and may take to XXXX  days. I consult a friend on social platform he said it took XXXX year to get the fund back, which is ridiculous. 

Currently, I demand the bank to process the fund and refund to me in a month. I will not ask for reasons for account closing cuz it is already closed.

Company response to consumer: Closed with explanation