vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: GA

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.

U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF ED/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 explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have been trying since XX/XX/2022 to have my mortgage company ( Freedom Mortgage ) remove my PMI. Initially they said they have to order a Broker Price Opinion and stated they will send me a letter which I need to sign and send back to them so that they can order a broker price opinion. 

Facts Pertaining to my case. 
1 ) Original Loan Amount {$270000.00} 2 ) Original Value of the home {$300000.00} 3 ) Original Loan to equity ratio 90 % 4 ) Current Principal Balance {$260000.00} 5 ) Current Value of the home ( As per XXXX XXXX XXXX XXXX XXXX ) {$340000.00} 6 ) Current Loan to equity ratio 77.56 % I have protested with the appraisal board and also appealed with Appraisal Review Board of the county and this is the value they appraise the property. I have attached the appraisal report. 

Hence I requested my mortgage lender to cancel the PMI since my LTV is less than 80 % but they have given one excuse or another to avoid this. When I spoke to them on XX/XX/2022 they are stating the loan needs to be at least 2 years old for them to do this. I have read through the entire loan trust deed and no where does it mention that it has to be 2 years before they can order a broker price opinion. The initially sent me another person 's loan deed to me ( which is a gross violation of another person 's privacy ) and when I called again on XX/XX/2022 and reported this they sent me my correct document and no where in the document it is mentioned that I have to wait for 2 years before having the PMI removed. 

They are forcing me to pay the PMI even when I have made all my payments on time and even made some additional principal payments in the XXXX year of my loan. 

I am paying {$43.00} each month for PMI which is not necessary at this point since the Loan to equity value is well below the required 80 %. It is only fair that the mortgage lender cancels this insurance and stop charging me for it. 

I have all the calls recorded and can provide them to you as well. The customer service representatives disconnect the call every time when I point out that the loan agreement does not stipulate a 2 year waiting period. 

I have attached the county appraisal report along with the evidence they used, an offer from XXXX offering {$340000.00} for the house, Realtors comparable sales analysis. Am not sure what else I need to do to prove to mortgage lender that the property value has significantly increased thereby increasing my equity.

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 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
Bank of Oklahoma the first thing I let go back on XX/XX/XXXX for a withdraw of {$1300.00} from account XXXX to correct a debt that was my ex husband 's to bank of oklahoma. I went in to open an account they told me no to call a debt collector because I owed money. I called they had no record of me being on the account. I went back in a week later and they said the debt was cleared or they wouldn't have let me open the account. On XXXX they withdrew the funds with no notification after both companies told me they did not have my name on debt owed. I let it go. Now I have another problem because they did not close an old account. I deposited a check to XXXX on XX/XX/XXXX from a XXXX settlement. Following day on XX/XX/XXXX I went into XXXX branch to close the account ending in XXXX & open account XXXX. I transferred {$1900.00} to this account and closed account ending in XXXX. I signed papers to open the new and close the old. The old account has not been showing on my banking app till today XX/XX/XXXX it showed my paycheck from XXXX XXXX deposited but also fixed debt I had no idea about, because the account was supposed to be closed! & then I had to fix the debt on the new account XXXX that I was aware of. Because I have been in the middle of snowballing with bills because of the first initial withdraw XXXX did to take care of my ex husband 's debt back in XXXX of XXXX. They have record of me trying to find out what was going on we were at the broken arrow branch for over XXXX hours to figure things out & they still refused to refund the {$1300.00} even though it was not my debt. & now I have other fees that should of never went through on account ending in XXXX because it was a closed account. I am entitled to {$1600.00} from account XXXX XXXX XXXX XXXX XXXX combined Anything posted on account until XX/XX/XXXX I was aware of & even okayed with XXXX I even went back to the XXXX location and they said they have no record of me signing to close the account ending in XXXX because they no longer require it. I was asking for the copies of the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: MO

Complaint narrative:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Equifax and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Equifax sent a letter stating this block was an error. It was not. Equifax has violated my consumer rights. According to 15 U.S. Code 1681i Equifax is supposed to delete the disputed items during a full and complete investigation. Equifax violated this federal law. Equifax is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Equifax to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Equifax for willfully and knowingly violating my consumer rights if this is not rectified within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: NV

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I was sued by XXXX and XXXX is XXXX for a debt to XXXX XXXX XXXX for a credit card. In XXXX my wages were garnished and my debt was paid. As of XX/XX/XXXX the judgement still sits on my credit as an unpaid judgement. For four years this debt has been killing my credit even though it is paid. I am now trying to buy a home and can not due to this debt not showing paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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 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 : 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 2022-06-03 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, XXXX, Equifax, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602 A States I have a right to privacy. These addresses do not belong to me : 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 2022-06-03 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/DEPT of ED # 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 2022-06-03 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX/DEPT of ED # 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 2022-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX Credit Management posted a collection on my credit report that I asked for proof of prior to them placing it onto my credit report. I am unaware of this debt of {$930.00} and my research shows that it is out of state. They have not provided any legal documentation that supports that they have the right to collect and that this is a debt of mine such as legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. This company has failed to respond with any information which is against the law and violates my rights. I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
Collection appeared on my report out of no where for the first time, with no original date of debt from original creditor, after investigating myself, I found out this is an debt from XX/XX/XXXX which is almost XXXX years ago which make it illegal to collect or send to a collection agency. I had no clue about this debt until XX/XX/XXXX, I also had medicaid during the time this was even a factor.. XX/XX/XXXX the state of XXXX law has changed to stop reporting or collecting medical debts that are 3 years old this is why i feel as if this medical debt magically appeared out of no where! I will like a cease and desist & this to be removed from my credit as it exhibits me from progressing in personal affair.. I would also like for it to be no longer reporting especially when law goes into effect 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 explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: MN

Complaint narrative:
Using a crypto wallet called XXXX ( based on Crypto.com ) I purchased XXXX dollars of XXXX and was attempting to send it to another wallet, after it said it successfully processed my transaction I attempted to deposit it into the wallet which failed multiple times, I have attempted to contact support multiple times and they will not contact me back. 

Its been several days of attempts with no luck, I have not gotten any emails or chat replies back from support and have no way of knowing how else to contact them. 

Date of transfer XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: MO

Complaint narrative:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Transunion and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Transunion sent a letter stating this block was an error. It was not. Transunion has violated my consumer rights. According to 15 U.S. Code 1681i Transunion is supposed to delete the disputed items during a full and complete investigation. Transunion violated this federal law. Transunion is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Transunion to furnish anything on my consumer report. You also keep re-inserting " XXXX XXXX '' on my consumer report without the proper notification according to federal law. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Transunion for willfully and knowingly violating my consumer rights if this is not rectified within 15 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 2022-06-03 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: MO

Complaint narrative:
There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency Experian and identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. Experian sent a letter stating this block was an error. It was not. Experian has violated my consumer rights. According to 15 U.S. Code 1681i Experian is supposed to delete the disputed items during a full and complete investigation. Experian violated this federal law. Experian is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given Experian to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against Experian for willfully and knowingly violating my consumer rights if this is not rectified within 15 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 non-monetary relief
Consumer complaint received 2022-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I am a XXXX XXXX, with Third party Authorization to help a client who initiated a wire to our escrow account for a real estate transaction in which he was purchasing a new property. He initiated the wire with AXOS BANK on XX/XX/2022, the bank failed to send the wire. The Customer has called several times, over the last three days on three way calls with Myself, the title company and a bank representative, we have worked to try and figure out why they have not sent the funds that were requested via their wire request form that they provide for outgoing wire requests, each time we were given a different story but were promised each time that they would send the funds and that it would be initiated as soon as we got off the phone. It is now XX/XX/XXXX, I have spoken with a business banker today that gave me a case number and assured the money would be wired today, but it has not been wired. At this point my customer is in default on his contract to purchase property, the seller of the property is still waiting on his proceeds and the bank is completely in default. The wire amount is for just over a XXXX XXXX XXXXXXXX dollars and never in all of my years as a title agent have i ever seen a bank do this. I am not sure how AXOS BANK is still in business, as i have seen SEVERAL other complaints about them on the XXXX XXXX XXXX XXXX website. 
Can you help? It's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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:
Hi, I XXXX XXXX have been dealing with an issue with Experian over the past XXXX months in which they have claimed to have received my FTC Report in XXXX meanwhile it is XXXX. They are including XXXX XXXX XXXX XXXX XXXX XXXX that is attached to several delinquencies on my credit report in which these accounts do not belong to me or pertain to me in which also the po box doesn't and it isn't registered in my name. I live in XXXX and the po box is located in XXXX XXXX and I have called Experian countless times and spoke with multiple representatives. Recently, I spoke with XXXX in the specialized disputes department with Experian and he stated over the phone that this would be taken care of and that the po box would be deleted as this is not a residence. However, the po box still remains on my report which is a violation of multiple 15 USC Laws and FCRA violations. A company by-law can not hold a address against me that I do not own and currently don't reside. Not only this but they are soliciting wrongful and incorrect information pertaining to XXXX XXXX and XXXX for accounts that I never had.

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