vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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: BMO BANK NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My father is deceased and I have called multiple times to cancel the credit card. The estate department does not answer the phone or return messages or e-mails.

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 2022-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was young and I didn't know anything about credit. Once I got older I realized that my identity was used which i do not understand how people was able to open any accounts in my name because i was not old enough at the time or aware. I did not know anything about credit. I am just now learning about credit. 

I have 3 closed accounts on my credit report that I did not open : -XXXX XXXX XXXX - 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have one collection that I did not authorize : - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: SC

Complaint narrative:
I was young and I didn't know anything about credit. Once I got older I realized that my identity was used which i do not understand how people was able to open any accounts in my name because i was not old enough at the time or aware. I did not know anything about credit. I am just now learning about credit. 

I have 3 closed accounts on my credit report that I did not open : -XXXX XXXX XXXX - 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have one collection that I did not authorize : - XXXX 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 2022-04-21 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: NY

Complaint narrative:
Experian is reporting nonsense accounts that are NOT late and PAID they are reporting as LATE WHEN NOT. I WANT THEM REMOVED ASAP ACCOUNT NUMBERS BELOW XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-21 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
In XXXX of XXXX my car was totaled. The person who hit my vehicles insurance paid off the remaining loan balance. Ally financial, however, after receiving this payoff instead of closing my acct reported me to the credit bureaus as late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called XX/XX/XXXXto have this inaccuracy removed. I was told if I didnt hear back in 45 days it would be removed. I never heard back so I assumed this was removed. I recently applied for a mortgage and this was still present. I called Ally again on XX/XX/XXXX, and was told they would need to resubmit a claim. My wife then called on XX/XX/XXXX and asked for an update and asked if this could be expedited as we are trying to purchase a home and this is hindering our ability. The agent on the phone said the claim submitted on XX/XX/XXXX had no information attached to it so it would automatically be denied. This agent then filed a new claim with all updated information and she was told they would try and expedite this matter. My wife then called today XX/XX/XXXX and was pushed to 2 different departments and no one was able to help. This should have been cleared years ago when they were paid and again last year when I filed a claim however this is still present and actively affecting my familys ability to buy a home. Every day that goes by with this unresolved is another day of rising interest rates and lost opportunities on homes. Please help!

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 2022-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: HI

Complaint narrative:
I keep getting repeated calls from sunrise credit services and keep asking me to pay the xxxxx amount. I never receive any documentation that this debt have been validated. I get calls anywhere between morning and afternoon even if i'm at work i'm getting 4-5 times calls. I'm working hard with a credit repair services in regards with debt validation and disputes.

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 2022-04-21 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: FL

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for theirrefusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal CreditReporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to helpme block the concerned items for they were found erroneous and unauthorized. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I noticed multiple hard inquiries on my credit report from the specific date of XX/XX/22. I did not authorize any of these hard inquiries, nor do I hold an account with any of these companies. 
My credit score dropped XXXX points because of this. 

Not acceptable! I have already tried calling each company listed from XX/XX/22 individually to investigate.

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 2022-04-21 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: MO

Complaint narrative:
Experian and XXXX have my current address incorrect. The address XXXX XXXX XXXX XXXX in XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.

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 2022-04-21 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: GA

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I refinanced my loan with a mortgage company called XXXX mortgage and it is a cash out refinance. The title company called XXXX XXXX situated in Tennessee sent the pay off for my older loan with Caliber Home Loans on XXXX XXXX. They confirmed the account number and routing number to which the payoff to Caliber Home Loans was sent and we also got an a call with the customer service department of Caliber Home Loans to confirm the account details. Title company has a confirmation from their bank that the wire has been sent but Caliber Home Loans says they haven't received it and every time I have to speak with a new agent who makes me go through the whole process again of explaining the details and they are not looking into this issue. I am very concerned at this point as I am not getting appropriate help from my title company XXXX XXXX as well as the previous lender Caliber Home Loans to solve this issue. 

I am not sure what could be the next steps for me as my credit report now shows 2 loans for the sane house now and will have to do 2 payments for no fault of my own.

Customer service is useless for me as of now and also none of the title company or mortgage company is helping me even trace the wire or letting me know what the next steps could be to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: MD

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 Account number XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX-Account number XXXX, XXXX XXXXXXXX XXXX- Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX-Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has Violate My Rights.

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

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

Company 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 2022-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX ( ID # XXXX ) from PHH is stating that PHH Mortgage is unwilling to generate my statements from XX/XX/XXXX to XX/XX/XXXX. 

I require my billing statements from XX/XX/XXXX to XX/XX/XXXX. 

XXXX said someone at PHH, without my authorization, set my loan to " coupon billing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
XXXX is reporting nonsense accounts that are NOT late and PAID they are reporting as LATE WHEN NOT. I WANT THEM REMOVED ASAP ACCOUNT NUMBERS BELOW XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SF VAGO, LLC
State: WI

Complaint narrative:
My vehicle loan has very high interest rate ( 8.14 % ) and very high interest to principal. It was transacted in XX/XX/XXXX with State Farm Bank. Payments were made on time through XX/XX/XXXX. In XXXX, XXXX a two-month extension was approved for financial difficulties. Payments again were made on time thereafter from XX/XX/XXXX through XX/XX/XXXX. 

Again, during the pandemic in XXXX and loss of 2 jobs, in XX/XX/XXXX, an extension was offered and taken for XXXX, XXXX and XX/XX/XXXX. Payments were resumed in XX/XX/XXXX. 

Presently, I find it a struggle to make these payments and have been in contact with collections to let them know since early XXXX of my difficulties. I have continued to make payments as I am able but I am in a 30-day late status at this time. 

During recent efforts to understand where I am, I shockingly noted that on-line statements do not reflect any principal payments made to my account since XX/XX/XXXX and I can not get a satisfactory explanation why all payments made since then have gone for interest only. After several unsuccessful attempts on my part to call to get an answer, My Agent, XXXX XXXX, then got involved and attempted to a have loan support supervisor call me back and explain line by line explanation for each month on the loan starting XX/XX/XXXX and running through the present : Beginning balance Payment made Payment applied ( principal, interest? ) Fees charged. 

We both requested this on Monday XX/XX/XXXX, and requested a return call no later than 48 hours after the formal request. It is now late in the afternoon XX/XX/XXXX and I have had no return phone calls. They sent the agent a print out that looks exactly like the on-line statement, which the agent suggested was not intelligible. ( attached ) I believe this is a predatory lending practice and I certainly did not know or understand that past the extension for Covid relief, I would not be gaining any ground by any of the {$740.00} payment applied to the principal. Consequently, I am now underwater on this loan and can not sell the vehicle to repay this loan. 

It seems to me that the " relief '' offered for compassion during a pandemic became a way to rip me off with an already high interest rate. Within the last 2 years, I tried to refinance this vehicle loan with State Farm but was turned down on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Central Portfolio Control Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Central Portfolio Control # 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
The Rocket Mortgage company submit an application for a loan for me and they asked the XXXX XXXX XXXX to run my credit report without my authorization and my consent. I recieved by mail a copy of my credit report and a Loan application number, and I didnt ask them to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
The fraudulent information listed below is showing on my credit file but is not mine. Please remove the fraudulent information immediately from my file. 

Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Account : 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 explanation
Consumer complaint received 2022-04-21 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:
Experian notified me of a hard inquiry on my account XX/XX/2022. As far as I know it would have been an application at that time. XXXX XXXX XXXX was the source of inquiry. When I called XXXX XXXX they said someone applied for a credit card in my name. They gave me this information to contact you. I also placed a fraud alert with credit all 3 bureaus. As far as I know this was stopped before any transactions were done, so no losses at this time.

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 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My complaint is with my Business Checking account with Bank of America. My business account has experienced fraud on the account. A number of fraudulent checks have been cashed against my account. I have caught all except 4 within Bank of America 24 hour notification window. The 4 checks in question are : {$50000.00} cashed on XX/XX/22, {$17000.00} cashed XX/XX/22 {$14000.00} cashed XX/XX/22 {$9400.00} cashed XX/XX/22 All four were reported to Bank of America on XX/XX/22 Fraud Initiation number XXXX XXXX XXXXXXXX On XX/XX/22 Bank of America responded that they are not responsible for our loss. We responded that we did not agree and are going through the procedures to see how we can get our money returned.

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 2022-04-21 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: FL

Complaint narrative:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/2022 an electronic draft request was issued by XXXX XXXX XXXX on my behalf for our car insurance premium in the amount of {$220.00} to USAA. On XX/XX/2022 USAA refused this charge despite having a sufficient balance in the account. My insurance company cnacelled the policy and refused to cover damage dpne to the car after the policy was cancelled. I now have a significant amount of damge on both vehicles and because of this, i can not have the car insured at all. This leaves me vulnerable to legal and financial action against me if I drive my vehicle without coverage. I have tried to work with the bank to get the damages covered. They refuse to give me contact with anyone other than the resolutions department and refused to provide me with any proof that there were insufficient funds at the time of the attempted withdrawal. I am now forced to seek legal representation at my cost to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation