vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Someone is sending bogus info to early warning. All the banks have the same account number. Waiting for copy of police report that will include the people doing this. I am a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Someone is sending bogus info to XXXX XXXX. All the banks have the same account number. Waiting for copy of police report that will include the people doing this. I am a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
Someone is sending bogus info to XXXX XXXX. All the banks have the same account number. Waiting for copy of police report that will include the people doing this. I am a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Andrews & Cox, P.C.
State: TN

Complaint narrative:
XXXX XXXX XXXX contacted my father regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/2024 called Amex several times and it directed me to automatic responses. No one could help. Just told me to try another merchant XX/XX/2024 tried to make purchases using the card so many times that it locked me out of my XXXX account. 
This is a card should be accepted and it is frustrating to not be able to get into contact with ANYONE. This is distressing. I am trying to buy a birthday gift for someone and need this card to purchase items for my wedding!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
The company has completely ignored my demands for validation of the alleged debt they claim belongs to me and has instead sent me a paper instructing me to file a fraud claim with the original company when I sent a certified letter asking for validation of their claims. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report, even after I directly disputed the ownership. I am now forced to pay more money to file a civil lawsuit in my local federal court for damages and direct violation. This company has repeatedly violated my consumer rights and ignored federal law costing me loss opportunities, time and money.

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 2024-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Marcus by Goldman Sachs closed my account without warning and without letting me know. I only found this out because I called them when I couldn't login to my account. On XX/XX/year>, they informed me that my account was closed, said they didn't have to tell me why, and that my money would be transferred back to my XXXX account within 10 business days. It has been well over 10 business days and I still have not received my money so I called them again and they said the money has been sent and they don't know when I will receive it. I have no online access to my Marcus account so I can not see how much I had in there and whether or not the money is still in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting 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:
Per the fair credit reporting act, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you. Written unwritten verbal and non verbal per 15 usc 6802.

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 2024-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: HILLTOP HOLDINGS, INC
State: SC

Complaint narrative:
I requested PMI removal in XX/XX/XXXX. I was denied even though my LTV was 77.4 % due to a pandemic related forbearance payment issue. There was also a comment that 77.4 % LTV was not good enough for early PMI removal. 

I waited until after XX/XX/XXXX, which would be when I no longer had the 'late payment ' within 2 years of my next PMI request. 

I requested PMI removal in XX/XX/XXXX. But now the lender is claiming my LTV is 127.72 %, and that I need to pay them for an appraisal. 

My original loan included additional money to cover needed renovations to make the house habitable. The loan amount had always included this money as part of the original loan, and an appraisal was done that certified that the house was worth the additional amount. But now the bank is doing their PMI calculation based on the 'selling price ' of the house , not the total loan amount ( which is backed by an appraisal, post renovation ). 

It does not help that it seems the only way to contact the lender about this issue is via mail. When I have tried to ask about it via phone their staff have no ability to provide clarity or help. They just refer you to send a letter. 

It seems that the lender, Prime Lending, is creating barriers to prevent their customers from being able to remove PMI early ( even though all the criteria has been met ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Equifax XXXXXXXX XXXX  Date Opened XXXX Balance XXXX Acct Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$470.00} Inquiries 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2024-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Never applied forreceived an email from a collection agent for XXXX for XXXX purchase, I have never purchased anything from XXXX.. I have never applied for credit from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There is a hard inquiry that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting 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 was trying to purchase a home but on my report I noticed there accounts that were deleted off my report due to identity theft are reporting again I want to get rid of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian have Failed to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX ( XXXX XXXXXXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request removal of the following information that appears in error on my consumer credit report. The information which appears on my report does not relate to any usage that I have made. It is a result of improper use of my credit information. 

I am writing to file a formal complaint regarding the incorrect usage of my credit information and potential exposure to the dark web. I recently discovered several unauthorized transactions on my credit report, which have led me to believe that my personal information may have been compromised and utilized for illegitimate purposes.

Upon reviewing my credit report, I noticed transactions and activities that I did not initiate or authorize. These transactions not only reflect improper credit usage but also raise concerns about potential exposure to the black market. It is alarming to see my credit information being misused in this manner, and I am deeply troubled by the implications it may have on my financial well-being and personal security.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request that all unauthorized transactions and activities be removed from my credit report immediately. Additionally, I implore the bureau to implement measures to prevent further unauthorized access to my credit information and safeguard it against future misuse. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, my credit freezes and XXXX XXXX XXXX XXXX stopped an attempted identity theft usage of PII to obtain credit : " we detected XXXX  XXXX XXXX trying to access your Frozen XXXX credit file. '' I immediately contacted XXXX XXXX to initiate a fraud investigation. I further contacted XXXX XXXX to initiate their fraud investigation. I additionally placed personal Initial Fraud Alerts on all 3 major bureaus. I will be filing a police report when the department opens, today, XX/XX/XXXX. 

On XX/XX/XXXX, I received two emails from Experian notifying me of additional Initial Security Alerts being placed on my credit report. The link is inaccessible, and has been saved to the XXXX XXXX  for verification, and is shown by the XXXX XXXX to have never been active since at least XXXX search history. The automated phone system is unable to place requests for free copies of my credit report. All attempts to reach a human are rebuffed with " only under limited circumstances ''. 

" from : Experian XXXX to : date : XX/XX/XXXX, XXXX subject : Important Information mailed-by : XXXX XXXX XXXX XXXX We have added an Initial Security Alert to your credit file as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This Alert last for one year and alerts credit grantors to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for six months. 

You can request a free copy of your credit report at experian.com/initialfraudreport, by calling XXXX XXXX XXXX XXXX or in writing. If you write to us, indicate that you are or feel you may become a victim of fraud or including identity theft, and are requesting your free credit report. Send all of the following : 1 ) Your full name including middle initial and generation ; 2 ) Social Security number ; 3 ) complete addresses for the past two years ; 4 ) date of birth ; 5 ) government issued ID card, such as a drivers license, state ID card, etc. ; 6 ) utility bill, bank or insurance statement, etc. Send copies of any documents you provide. Mail your request to Experian, XXXX XXXX XXXX XXXX, Texas XXXX. 

You may access a more detailed statement of your rights online at www.experian.com/fraudrights or by calling 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
Ive recently checked my credit report and notices some inaccurate accounts reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I transferred money to XXXX to my friend for medicine expenses and its not a first time to send money by western union so they called me from XXXX reporting money on hold for 3 days now by western union I contacted them after they requested a photo id which is I did submitted to them and I dont know why they requested since I am sending the money online, so I called them the next day they put me on hold for about XXXX the representative keep placing me hold then I hanged up, I chatted with them in western union app after a long conversation she said I can not do anything you have to call XXXX, I called them again I provided them with all information needed I still didnt get any answer to my question, why my money transfer still on hold? I got hold on let me check umm no answer so at this moment the money transfer never released till now I dont have any idea about what is going.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a complaint against XXXX. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from XXXX to XXXX. I received 2 letters from XXXX ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted XXXX upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in ONE DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
XXXXThe U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/2023. XXXX  This report made by XXXX to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a complaint against XXXX. During COVID, when all student payments were paused, I WAS STILL PAYING MINE. I applied to XXXX for the PSLF program and then my loan was paused while the loan was switching from XXXX to XXXX. I received 2 letters from XXXX ; one stated my loan was paid ( transferred ) and another stating the loan was 90 days past due, when it was paused due to the loan being transferred to XXXX. It was ILLEGAL TO DO SO DURING THAT TIME, AS ALL STUDENT LOAN PAYMENTS WERE PAUSED. I contacted XXXX upon receipt of this letter and the TREMENDOUS HIT TO MY CREDIT SCORE and they denied making a report to the credit bureaus. My credit score dropped from XXXX to XXXX in ONE DAY. Upon checking my credit score today, It is still showing as delinquent on my credit report. I want this removed immediately. This has had a huge financial impact me and the delinquency was false information in violation of the CARES imposed during Covid. 
XXXXThe U.S. Department of Education expanded the student loan borrower relief offered under the CARES Act to defaulted student loan borrowers in the FFEL Program . As a result, XXXX has suspended all adverse collection activities and interest accruals through XX/XX/ XXXX XXXX This report made by XXXX to my credit report is a DIRECT VIOLATION OF FEDERAL LAW.

Company response to consumer: Closed with non-monetary relief