vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Someone XXXX my XXXX a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected as soon as possible.

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 2022-02-26 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: PA

Complaint narrative:
Someone stole my purse a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Please find the below are the attached ebill and payment data from/to XXXX XXXX XXXX XXXX XXXX 
As per the e bill the total amount due is {$1200.00}. I have paid {$1100.00}.

I have converted the total due amount {$1200.00} into a 6 months plan and each month i paid {$200.00} for 3 months ( total : {$610.00} ). The remaining balance is {$610.00} Later as per the discussion with XXXX XXXX XXXX XXXX representative he waiver off {$120.00} if i paid {$490.00} at a time. 

I paid {$490.00} on XX/XX/2021.

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 2022-02-26 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, PA XXXX. I am contacting the bureaus ( Experian ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There was a promotion online that stated that if I deposited {$50000.00}, I would receive a {$700.00} Bonus. I clicked the link of the promotion to open my Citibank account on XX/XX/2021 with an opening balance of over {$50000.00}. I have kept the balance over {$50000.00} ever since. To date, I still have not received my {$700.00} bonus for completing the required activities. I would like to receive my {$700.00} bonus immediately. 

Thank you 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 monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Promotion sent to email for promotional offer of XXXX dollars if a new checking account is opened by XX/XX/2021 and XXXX of direct deposits within 90 days at Bank Of America. Talked to people on the phone from the company and they can not find the promotion.

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 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
In XXXX of 2021 I contacted my mortgage company XXXX XXXX  in reference to my property being removed from a class AE ( mandatory ) flood zone to a class x. I'm aware that they receive this information from FEMA so I ask them to remove the requirement from my mortgage so I could purchase affordable flood insurance. 

Round point related that they will not remove the requirement unless I acquire a Location Map Amendment ( LOMA ) from FEMA and provide it to them. I then reached out to FEMA and undertook a challenging process of acquiring a LOMA acknowledging that my property has indeed been reclassified as a zone x. 

On XX/XX/XXXX and XX/XX/XXXX I uploaded the letter of amendment determination document to XXXX XXXX XXXX XXXX. Since XX/XX/XXXX I have reached out to XXXXXXXX XXXX  on XXXX occasions requesting a confirmation that they have received my LOMA and to provide written confirmation that Flood insurance is no longer a requirement of my loan. 

On every occasion they have needed to resubmit my request and have provided a later date for the LOMA to be acknowledged. My last communication was on XXXX XXXX where they have acknowledged that I have requested this to be done since XX/XX/XXXX on several occasions and they have been unable to complete my request. 

Round point is unwilling to recognize the FEMA LOMA document that governs the requirement for flood insurance on my mortgage. I believe this is a unscrupulous act which is incurring an unnecessary expense for me and my family. 

If I have contacted the wrong complaint office, my apologizes, please point me in the correct direction. 

Thank you for what ever help you can provide, XXXX XXXXXXXX XXXX Loan # XXXX Name on loan - XXXX XXXX XXXXXXXX XXXX XXXX  Phone # XXXX XXXX XXXX # XXXX XXXX XXXX ( Please leave a message )

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 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX, PA XXXX. I am contacting the bureaus ( Transunion ) today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX I went to visit Navy Federal Credit Union, in XXXX XXXX, TX, which I am a member of and have been a member of since XX/XX/XXXX. I went there to complete a cash advance, I am a XXXX Veteran and My XXXX goes into my external account. So every month I go to Navyfed to do the cash advance from my external account, XXXX and transfer my funds to Navyfed. I've been doing this kind of transaction for over a year now from the same account, using the same card without any issues, until yesterday. Navyfed only allows cash advances over the phone up to {$500.00}. Anything over that amount a member is required to come inside the branch to complete the transaction, because additional information and identification is required. Which I've always complied and understood. So, yesterday my transaction was denied after, I provided everything they asked, and the teller told me because certain identifiers could not be verified, therefore I could not use my card to the external account. I asked why not? When I've been using this card without any issues. I said where is the documentation stating the changes, she continued to say I can let you speak to my manager, I said that's fine. The manager said she would call her supervisor, they denied it saying Navyfed had taken losses from this kind of transaction with my external bank. I told them what does that have to do with me? Decline those members that have resulted to the bank taking loss. Not the members that's doing accurate and legal transactions. I asked for the corporate number, they called the branch to try to get more information and I asked them where is the notice about this change? They said they didn't have one. Well I'm Like that's kind of funny when the branch stated it was a valid policy change. And at this point I feel targeted. You can't just verbally make a policy change without the appropriate documentation. Then just expect bank members to abide by it. They ending results was that I was unable to transfer the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received a fraud alert from credit company for possible fraud activity. They asked if I had made 4 purchases with credit card. I said no. I did not have a stolen card because it never left my possession. They closed the account and issued a new card. The problem is that they put the 4 purchases on the new card. They said it will take 30 days to make a determination. Dates were on XX/XX/2022. They were for {$100.00} XXXX XXXX XXXX. I believe they were in XXXX XXXX. I live in Fl. and have not left the state in many years. Extremely hard to reach credit card fraud dept of this co. Sometimes you are on hold for over 1 hr. They never call back. I call for update and am told they are looking into it. After all, they alerted 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 monetary relief
Consumer complaint received 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have innacurate personal information on my credit report. Names, addresses and date of birth is incorrect. I solely go by given name. This is a ongoing situation that I have tried to dispute more than twice.

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 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
On XX/XX/2022, I purchased a {$100.00} Vanilla luxe bow gift card from XXXX pharmacy at XXXX XXXX XXXX XXXX Alabama XXXX. Their phone # is XXXX. The card was in its original untampered packaging. When I got home and took the card out of the original intemperate packaging I noticed the last 4 digits was scratched off the card. Also, when I tried to scan the card at a store it doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There was a promotion online that stated that if I deposited {$50000.00}, I would receive a {$700.00} Bonus. I clicked the link of the promotion to open my Citibank account on XX/XX/2021 with an opening balance of over {$50000.00}. I have kept the balance over {$50000.00} ever since. To date, I still have not received my {$700.00} bonus for completing the required activities. I would like to receive my {$700.00} bonus immediately. 
Thank you 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 2022-02-26 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

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 2022-02-26 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: PA

Complaint narrative:
My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debt Account Name : XXXX XXXX XXXX  Account was opened : XXXX Account Number : XXXX Account Balance : {$140.00} Account Name : XXXX XXXXXXXX XXXX Account was opened : XXXX Account Number : XXXX Account Balance : {$110.00}

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 non-monetary relief
Consumer complaint received 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

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 2022-02-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have innacurate personal information on my credit report. Names, addresses and date of birth is incorrect. I solely go by given name. This is a ongoing situation that I have tried to dispute more than twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: GA

Complaint narrative:
I have innacurate personal information on my credit report. Names, addresses and date of birth is incorrect. I solely go by given name. This is a ongoing situation that I have tried to dispute more than twice.

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 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, he following accounts have violated my rights : Account name/ number XXXX , account # XXXX XXXX, account # XXXX XXXX, account # XXXX US DEPT ED, account # XXXX XXXX XXXX  XXXX  , account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX 15 U.S.C. 1681 Section 602 A Section 1 : States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: MI

Complaint narrative:
N accordance with the fair credit reporting act XXXX  Account # XXXX, and 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 Sections 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
N accordance with the fair credit reporting act XXXX  Account # XXXX, and 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 Sections 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 2022-02-26 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: MI

Complaint narrative:
N accordance with the fair credit reporting act XXXX  Account # XXXX, and 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 Sections 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 explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My complaint is with Select Portfolio Servicing XXXXXXXX XXXX # XXXX. 

For several months I told them they had collected WAY too much money in my escrow account. Finally, they agreed to review my escrow account on XX/XX/2022. They finally did on XX/XX/XXXX and decided that yes indeed, they had collected {$18000.00} too much. 

They " said '' they mailed a check on XX/XX/XXXX. ( Who " mails '' a check over {$18000.00}? ) It is now 11 days later and no check has been received. It has been 23 days since they " learned '' of their over charging me. I still have not been made whole. They have {$18000.00} of my money that they have been earning interest on. 

I WANT DAMAGES!!!!! They are abusing consumers and are earning thousands in interest rather than promptly reimbursing the client what they should not have had the whole time. 

I warned their incompetent staff REPEATEDLY that I was going to the CFPB. One of their employees said, " go ahead, we don't care. ''

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