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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Companys refuse to remove from credit reports sent multiple reports XX/XX/2020, XX/XX/2020, XX/XX/2020 all with attached police report letting them know this account is not mine and was open due to identity theft.

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: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
I have zero missed payments in the lifetime of my loan, I have no liens on my home, my LTV was at 80 % as of XX/XX/XXXX. 

When asked how to remove PMI, my loan servicer sent me a form in XXXX which precluded me from asking to remove PMI based upon the original value of my property - instead, they forced me to choose to request PMI removal based upon the current value of the property. This second option has criteria which are much more difficult to satisfy and my request was denied based upon those criteria. 

To request removal based upon the original value of the home is what is described in the Homeowners Protection Act and I have no way of choosing that option with my servicer. 

I am unable to reach or be transferred to the PMI department at my loan servicer, and despite having sent them a written request for PMI removal which they received XX/XX/XXXX - it wasn't until XX/XX/XXXX that they addressed the removal request and informed me that I was denied because they won't verify the value of my home without an accurate listing of recent structural improvements ( I paid them {$150.00} for a BPO appraisal which they now refuse to do without that listing ). They falsely claim that they contacted me and I did not reach back out. They are out of compliance with their own timelines for responding to a PMI removal request per the HPA, XXXX XXXX, and their own assertions in the PMI removal form they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I initially experienced issues getting my funds from a CD released via complaint XXXX then when those were released Ally proceeded to block my attempt of sending a wire. 
I initially the request well ahead of their cut off of XXXX XXXX. ( I sent it in XXXX XXXX  ) They claimed that they didn't have enough time to review it and did not send out my wire. in time. 
I needed the funds today for my title company for the purchase of a property and due to them it was delayed due to XXXX hours wasted trying to get my funds from a CD and then them not processing a wire on 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 monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I wrote myself a check from my XXXX Bank account to be deposited into my Bank of America account. The account was {$3000.00} so that I could pay my mortgage. Bank of America took more than a week to clear the check. By the time they approved the check, a small bill had been pulled automatically from the XXXX and caused my check to bounce by the time the Bank of America cleared the check. This resulted in Bank of America trying to pull the check AGAIN. I was the negative {$6000.00} in the XXXX account because of Bank of America. I called them and asked them to STOP pulling the check repeatedly and to just clear the check so that I could use my own money. They closed my Bank of Account, resulting in me losing so much money. They refused to explain to me why they were closing my account and I tried to get answers and they wouldn't. Thus, I became behind on bills, had overdraft fees, late charges, etc. In total I lost hundreds of dollars from their lack of communication and negligence. At the end, I owed them no money, and in fact, they had to issue me a check back with my balance. 

WORST OF ALL : No Bank will open a bank account with me now. And I can't understand what Bank of America did to me to cause this. I am now flagged with XXXX XXXX XXXX for an UNKNOWN reason for something I never intended or did. I just wanted to move my money from one account to the other. I need to open a bank of account and this has affected me negatively financially and they're response has been, " We do not need to give you an explanation. '' I AM SHOCKED.

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 card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I was notified that my account was paid off and as a result closed the account. The company also said they received two payments and sent me one as a credit. They then found out they were in the wrong, threatened me multiple times, and then said the account would stay closed but I had to pay off the {$900.00}. I found out today synchrony bank/care credit reopened my account and are charging a late fee. XXXX was notified and sent the charge through and then reversed the charge after I was told that it was handled correctly, and closed the account. I received bank statements today after being locked out of my account for months and reporting my username and password as stolen.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax shows account as open. 
XXXX shows account as closed Equifax shows a balance on account XXXX shows account as zero My credit is being inaccurately reported and this is affecting me negatively. 

Name : XXXX XXXX XXXX {$580.00} Date of last report is inaccurate Date of last activity is inaccurate

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a letter over to the bureaus certified that they must respond in 30 days according to the CRAct. They still and havent responded and its been over 35 days.

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CARD Corporation
State: NY

Complaint narrative:
Im not even trying to open any account and for some reason I got two similar random texts about a card number and then I had a debit card sent to my house today. Im afraid its happening again and Im getting worried someone is trying to steal my identity and mess up my credit.

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: FL

Complaint narrative:
This complaint is being made by the consumer XXXX XXXX XXXX XXXX XXXX Please see the identity theft report attached. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. XXXX, XXXX, and Transunion each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.

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: FL

Complaint narrative:
This complaint is being made by the consumer XXXX XXXXXXXX XXXX XXXX XXXX Please see the identity theft report attached. I have Consistently disputed fraudulent accounts that result from identity theft on my credit profile. XXXX, Equifax, and XXXX each have not provided me with the results of the recent Investigation within the allotted time provided in the FAIR CREDIT REPORTING ACT. My person and household have been affected tremendously by the inaccurate credit reporting that these companies have been doing against me. I also feel discriminated against as I have disputed these items a multitude of times and cooperated with the guidelines of the FAIR CREDIT REPORTING ACT and have not been fairly treated. Am alleging that these companies are not in compliance with all applicable laws.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter over to the bureaus certified that they must respond in 30 days according to the CRAct. They still and havent responded and its been over 35 days.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is not recognizing my user name or password. They previously allowed someone to change my user name and password. They may have allowed this to happen again.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/21 I dispute items on my credit report that doesnt belong to me. I submitted it to each credit bureau asking them for more information on the alleged accounts. No information has been sent. I sent out another letter to follow up to this day I have no information on how these got on my credit report or how they would delete them.As a consumer I dispute these things and Im due a response within 30 days its been well over 45 days with yet no response.

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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act JPMCB CARD 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 : 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: 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: SC

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 : 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: EQUIFAX, INC.
State: SC

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 : 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: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I had medical debt that was sold to the debt collector, XXXX XXXX XXXX  in Oregon. Original amount was $ XXXX. I was never notified of any intent to sue. In XXXX, I was informed there would be a garnishment of my wages and provided a paper that stated they had received a judgement against me back in XXXX. I was NEVER notified of this intent to sue or the outcome of the judgement. I lived at the same residence from XXXX until XXXX so there is no excuse for this. Additionally, when I called them to ask- they stated they served my Husband on behalf of me- in XX/XX/XXXX. This also did not happen. When pressed further on a specific date and location of when they served him- the call suddenly became dead air and I waited on the line for a while before ultimately disconnecting the call. This judgement was almost double the amount originally owed. 

Recently I had to pay off the full amount for a loan purpose- and they did not inform my employer that they had collected the full amount until after I had been garnished again and overpaid by almost {$500.00}. I had to call and insist they email my payroll to correct this. During this time I was also informed that they had been charging a 9 % interest rate which ultimately resulted in paying nearly {$1000.00} more than the original judgement.

Company public response: Company disputes the facts presented in the complaint
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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 : 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 : 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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I hope all is well, Im having trouble unfreezing my Experian credit report. It says its unfrozen but when this company tried to do a soft pull it wouldnt let them. Can you please fix the problem? I need to be able to unfreeze my credit report and to freeze it back. Thank you for your time. Have a wonderful day and please continue to be safe.

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I attempted to freeze my credit report with Experian today. I first registered with their website, and the process included verifying my identity. I was able to do this successfully and access my credit report. However, there was no way to " freeze '' my credit from within the account, only to PAY to " lock '' credit. Through an internet search, I found a separate location on www.experian.com, outside of my " Experian account '', where I could submit a " freeze '' request. I entered the same identifying information that Experian accepted just moments earlier for me to establish my account, yet my request was denied and I was asked to send information by mail. Clearly, they are hoping users pay to " lock '' credit rather than using the free credit freeze. 
I strongly suspect that this is a deliberate attempt by Experian to prevent consumers from freezing their credit as the law allows.

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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CO

Complaint narrative:
I tried to dispute information with LexusNexis but they refuse to provide me my report or even allow me to dispute any information. I was denied my enrollment in CLEAR because they use LexusNexis and the info that was used to identify me was completely inaccurate.

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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I went to buy a car last year around XXXX of XXXX and they said my scores were XXXX low needed a co signer so I started checking my credit report. So I'm going to copy past into this. 
XXXX  XXXX  XXXX  # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , WI XXXX Loan Type : CHARGE ACCOUNT Date OpenedXXXX Responsibility : Individual Account Account Type : Revolving Account Balance : {$590.00} Date UpdatedXXXX Payment Received : {$0.00} Last Payment MadeXXXX High Balance : {$590.00} Credit Limit : {$300.00} Past Due : > $ XXXX< >Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX< Pay Status : >Charged Off< Terms : Paid Monthly Date ClosedXXXX Remarks : UNPAID BALANCE CHARGED OFF Estimated month and year that this item will be removedXXXX I was incarcerated at this rime. 
I froze all my credit from XXXX XXXXXXXX sagestream core logic, ars etc

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: Windham Professionals, Inc.
State: MD

Complaint narrative:
On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, a company called ProCo, representing the University of XXXX  XXXX XXXX XXXX, stated that I had a balance due on an emergency room visit of {$1100.00} and then {$280.00} after my insurance carrier, Tricare, paid their portion. I paid {$280.00} via credit card to the XXXX XXXX XXXX billing department on XXXX XX/XX/XXXX with a confirmation number of XXXX. I received a letter dated XXXX XX/XX/XXXX from a Windham Professionals stating I owe {$280.00} to the University of XXXX  XXXX XXXX, of which the XXXX XXXX XXXX XXXX under. I was told by the representative when I paid the {$280.00} on XXXX XX/XX/XXXX that I had no further outstanding balance with XXXX XXXX XXXX XXXX. 

This hospital has ruined my credit and hinder my ability to provide for my children as I'm a XXXX XXXX military veteran.

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