vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX 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 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This complaint to Transunion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$4200.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I use Chase for my banking right now and saw 2 service charges on my checking account yesterday, XX/XX/22. When I inquired as to why I was suddenly being charged service charges I was told that they had changed my account type. I've had this account for about 12 years now and it has always been that one of the criteria for not being charged a service fee is that I must use my debit card 5 times during the course of the month. I'm not sure what the daily limits used to be but now they're demanding I keep a {$1500.00} minimum!!! That's utterly ridiculous and only serves to screw over people who aren't rich. I was never informed that they wanted to change my account and I sure as XXXX never agreed to it. 

I had a meeting with a banker at a branch earlier today and they refused to do anything about it. They said that they're forcing everybody into this XXXX and if I don't like it I can close my account. 

I've never dealt with such unprofessional nonsense before. Not only do these banks not give us interest on our money anymore but they actually think it's acceptable to take our money for them to have the privilege of using our money to make themselves more money. I DON'T THINK SO!! 

I want my account left as it was. They absolutely don't deserve, and have no right, to take my money simply because they feel like changing account policies on a whim. During the course of this pandemic the rich have gotten richer and the poor have gotten poorer. How dare they pull this XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
We did a cash out refinance with Caliber Home Loans they still have not paid out {$2800.00} of the cash out and our first payment is due they are in breach of the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 .This 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
XXXX I received a notice from XXXX that Credence Resource Management , LLC added a collection account to my report in the amount of {$1800.00} stating Collection Account Open XX/XX/XXXX. I have NEVER heard from this collection agency prior to this being added on to my XXXX report on XXXX. 
I emailed the company on XXXX asking for proof of this collection along with a settlement letter. On XX/XX/XXXX I received an email to use my zip to view the letter. My zip code did not match, I emailed back and informed them of this on XXXX. On XX/XX/XXXX, they resent the letter dated XX/XX/XXXX to use my 1st name for the password. The mailing address for me on this letter is not valid and has not been valid since XXXX of XXXX the letter is only labeled as : " VERIFICATION OF BALANCE ''. 

This letter does not contain any form as how I can dispute this collection. The Notice of Debt must contain a statement advising me of my rights under the ( FCPA ), including a statement that I have the right to dispute the debt within 30 days of receiving the letter. 
This letter does not contain the following : The date of the last statement or invoice provided to the consumer by the creditor. 
The charge-off date. 
The date of the last payment applied to the debt. 
The date of the transaction that gave rise to the debt. 
The notice labeled " VERIFICATION OF BALANCE '' does not prove this debt and the letter does not provide the following information as a way to dispute : This is not my debt. 
The amount is wrong. 
Other- they must also contain a returnable form allowing you to declare that you are disputing the debt and allowing you to select one of three reasons for a dispute :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. The status of each accounts is unclear and inaccurate. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXXBalance : {$950.00} XXXX XXXX  XXXX Balance : {$890.00} XXXX XXXXBalance : {$4200.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX : {$0.00}

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 explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Know that the following inquiry was not authorized. I have not reached out to to this company nor inquired about anything. There must be something wrong with Experian 's investigation which they should eventually correct. Please see the inquiry that isb unfamiliar to me. 
XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-03-01 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld Systems Inc is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. Please see the attached FTC report and my driver license and plwase remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
I got a collection reported on my credit report for an online course that I never enrolled in. I have never given this company my social security number nor have signed any documents nor I have participated in any online course with them. I do not know where this account is coming from and it is ruining my credit report falsely damaging my good name.

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 2022-03-01 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: WI

Complaint narrative:
ORIGINAL COMPLAINT XXXX I REQUESTED YOU STOP ADDING REMARKS AND REMOVE ANY UNNECESSARY REMARKS AND YOU HAVE READDED THE SAME REMARKS TO MY XXXX CARD!!!!!!!!!!!!!!!! XXXX ARE YOU DOING STOP CREATING MORE ISSUES! I AM APPLYING FOR A LOAN SOON AND I NEED MY CREDIT REPORT CLEAN! 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX XXXX  XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED

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 2022-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX I noticed a charge on my XXXX statement for {$290.00} for XXXX XXXX Restaurant, XXXX, AZ, a restaurant I have never been to XX/XX/XXXX I called Bank of America to report the fraudulent charge. B of A temporarily reversed the charge, canceled the credit card, issued new cards, and said they would open an investigation XX/XX/XXXX The charge was back on my credit card statement. Called B of A again and they said they sent us a letter which we never got. They sent it again and we received it XX/XX/XXXX. The letter stated that they were unable to approve the claim because " after you submitted your claim, you later confirmed that the charge was valid '' WHICH IS NOT TRUE! 
Of note, I tested positive for XXXX XX/XX/XXXX and isolated at home for 2 1/2 weeks. Also, this charge was for a " take out '' order and this restaurant is 45 minutes away. I have NEVER spent over {$150.00} at a restaurant in my entire life, let alone {$300.00}. I have been an XXXX  XXXX ( B of A ) customer for over 20 years and this has NEVER happened.

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 2022-03-01 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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 2022-03-01 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 XXXX 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, XXXX XXXX XXXX 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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX I opened accts. with Citibank responding to promotion that offered {$700.00} bonus for opening with {$50000.00}. I opened these accts. in person with XXXX XXXX, Personal Banker at Citibank XXXX XXXXXXXX XXXX, NY XXXX to be sure it was done correctly. We discussed what bonus I was interested in. Then I funded the accts. with online transfers. 
On XXXX XXXX, XXXX XXXX XXXX emailed me to tell me the funds had cleared and the required 60 days on deposit would make it XXXX XXXX, XXXX when I was free to take my money out, retaining only {$1.00} in acct. until bonus was received. 
On XXXX XXXX, XXXX he again emailed me to remind me everything was now clear and I could take my money out, again reminding me about the {$1.00}. 
With my XXXX Citibank statement I noted that only a {$300.00} bonus had been paid, and brought it to the attention of both XXXX XXXX, by email, and XXXX XXXX, another Personal Banker, in person. Subsequently it was also brought to the attention of XXXX XXXX, Branch Mgr. and ultimately I received a letter from Citibank saying I had not qualified for the {$700.00} because I had not maintained {$50000.00} for 60 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 monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Submitted an unsecured loan application communicating that I did not own a vehicle and the only offers they actually gave me were ones for secured vehicle collateral loans. 

The entire premise of the loan application was under an unsecured loan basis, I submitted the information that I did not have a car for collateral, and despite making it clear I did not have collateral for this loan only received dozens of offers for collateralized loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Our mortgage was sold by XXXXXXXX XXXX to Mr. Cooper XX/XX/2022. XXXXXXXX XXXX transferred escrow to Mr. Cooper XX/XX/2022 in the amount of {$540.00}. Mr. Cooper claims that XXXX XXXX  never transferred said funds of escrow and has refused to pay home owners insurance despite the records indicating the contrary. XXXX XXXX XXXX ( home owners insurance ) was paid out of pocket in the amount of {$1000.00} on XX/XX/2022 in order to avoid going into default of the contracted loan. XXXX XXXX XXXX has attempted several time to rectify this issue with Mr. Cooper ( having already been paid in full ) only to be denied at each attempt. Mr. Cooper has constantly been unreachable and unwilling to communicate by phone or email in order to rectify this situation. We have reached out multiple times to Mr. Cooper only to be disconnected from the call in every instance of contact. The only successful communication made between Mr. Cooper and the mortgagee was the initial call to set up payments in XX/XX/2022. In summary the payments towards the mortgage are current, homeowners insurance is paid in full and the mortgage company ( Mr. Cooper ) is refusing contact.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MI

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$950.00} XXXX XXXX XXXX Balance : {$890.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/XXXX I made an online bill pay TO my XXXX 's XXXX FROM my Capital One banking. After a week I did not see a posted payment to the XXXX account. I waited until XX/XX/XXXX to reach out to Capital One to see why this payment had not gone through. I was transferred to the fraud department, when all I wanted was a stop payment on the check. They treated this as a dispute and a fraud claim. This was a mistake on their part, not mine as I have paid this credit card many times before with this method. I was told it would be up to 45 days to credit my money, IF it was indeed an incorrect mailing address. The amount was close to 2000 US dollars. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
Principal payments- Contacted the lender through multiple emails and a phone call to try and find a way to make weekly / bi-weekly principal payments. Company only allows to make principal payments on the XXXX  of each month.

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