vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-10 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I found out today that because Carrington Mortgage reported me as having a 180 day late in error ( which I am still trying to get fixed ), there is no potential for me to buy a house before I die. 

I was told I would be able to purchase a house once 12 months has past since Carrington reported the 6 months of delinquency ended. PROBLEM ... .... I was never late for 6 months and then these idiots never filed dates because it never happened. It only shown on my report as a 180 day late with no dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
BSI financial keeps increasing my escrow payments each year stating that they shorted my escrow account. I never receive a detailed escrow report before the increase with the options to settle the account. This is the second year in a row that my mortgage has gone up and now im paying double what i started when I bought the house. I know this company has settled lawsuits in the past for similar issues with clients. I can not afford to have my escrow payment increased by hundreds of dollars every year. I did not get a choice on who buys out my mortgage. I have never had my escrow shorted as much as this company has and ive been a homeowner since XXXX. I would like to have my mortgage switched to a different company who will actually sent a detailed escrow statement each year like they are supposed to so that I dont have surprises every year. its hard to make a budget when they are not consistent. My current account says im XXXX short but there is no where to indicate that Im the XXXX short they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: CA

Complaint narrative:
There has been two fraudulent credit card accounts reported all three credit bureaus for several years. This is done by capital one bank. I have made several attempts over the years to rectify the situation. Every attempt has resulted in the information still reporting incorrectly. Ive asked credit one bank to provide me with account signatures and details and I have felt to do so. They say that the account is legitimate as per my telephone number. Im a public figure and my number is used in share by many people. I have never looked at the address that they claim legitimizes the account. I am seeking help to finally rectify the situation as these is a fraudulent accounts.

Again, I have asked Capital One Bank for proof of documentation and contracts and it never has been provided to me. 

These are the credit cards as per XXXX : CAPITAL ONE Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
CAPITAL ONE Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 

Here is the fraudulent address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
The problem is essentially multiple Discriminations by PNC Investment ( PNCI ). My wife and I ( XXXX, & XXXX ) have 2 retirement accounts ( about $ 400K ) in PNCI. Due to its NO-service acts ( particularly during Spring XXXX ), I made a complaint against PNCI and claimed the compensation for the investment loss due to its fault. PNCI responded us for only 1-yr. fee waive. We could not accept it but have continued the dispute. In this dispute, I have nothing wrong or improper to PNCI 's business. On XX/XX/XXXX, PNCI decided to brutally terminate ALL of our accounts, and forced us liquidate/transact out all of our assents. 
Currently, I am fighting with PNCI for its discriminations in 1 ) Not providing services as a public accommodation 2 ) Age-, racial and origin-related discrimination 3 ) Depriving of our rights as PNCI 's customers etc.

In this message, I would like to get some legal consultant or help in my fighting against discrimination and get reasonable compensation for our investment loss. E.g.

1 ) What's the best way ( lawsuit or arbitration ) to resolve the problem?

2 ) Does FINRA arbitration handle discrimination related dispute?

Thanks for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: FL

Complaint narrative:
I pulled my credit report, after being released from the XXXX XXXX XXXX XXXX, Jail ; XX/XX/XXXX until XX/XX/XXXX, and I noticed many fraudulent notations on the report so I disputed online thru Experian.com the many fraudulent notations on my credit report, date XX/XX/XXXX, XXXX, report no : XXXX ; with Experian Credit Bureau XXXX XXXX XXXX XXXX account XXXX, in amount of {$440.00}, XXXX XXXX, XXXX. account XXXX, in the amount of {$460.00}, XXXX XXXX XXXX account XXXX, XXXX  XXXX XXXX account XXXX, in the amount of {$490.00}, and XXXX XXXX XXXX account XXXX, in the amount of {$300.00}, Experian never validated in of the information through me, but denied my complaint and relied sole on bias investigation in favor of the creditors to validate the fraudulent notations on my Credit Report .....

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 2023-07-10 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I just login to my XXXX XXXX and see banks been tired to open, loan application also, collection that I didnt do theres a lot from XXXX Law-15 USC 1681- XXXX- collection {$1900.00} XXXX call me and said I have an bal of XXXX XXXX call me said I have a XXXX Santander call me and said a XXXX XXXX call me saying a XXXX check was deposited and they close my acc XXXX XXXX XXXX business call me saying a XXXX XXXX XXXX XXXX and they closed my account Nobody told me what to do how to go about it so Im reporting everything to get off my credit I didnt make any of these charges or tried to open any accounts i only have XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 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 2023-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
check fraud claim with BoA that has been pending since XX/XX/2023. Need the following claim to be expedited. 

case # 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 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is a fraudulent inquiry on my TransUnion credit report by XXXX XXXX that is not authorized

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 2023-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
Reference numbers XXXX and XXXX. Department of Veterans Affairs account : XXXX and XXXX Consider this notification that I am disputing this debt with the US Department of the Treasury for {$65.00}. XXXX and {$72.00}. XXXX. This amount was for a co-pay that was improperly billed to me. As a XXXX XXXX XXXX member, there is no co-pay. The XXXX XXXX XXXX HAS received payment for the dates of service. A co-pay and resulting interest was negligently sent to me and should be expunged according to the Federal Trade Commission. Failure to do so can result in a FTC complaint and " Notice of Penalty Offenses '' up to {$50000.00} per violation ; my case has two instances which would total {$100000.00}. 
Please find a Copy of the VA Inspector Generals complaint that has also been submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My payment history with XXXX XXXX XXXX Acc # XXXX ( XXXX ), Acc # XXXX ( XXXX ), Acc # XXXX ( transunion ), shows as late payment for XX/XX/2023. This is incorrect. I called XXXX XXXX XXXX, and they informed me that they did not report a late payment nor was I ever charged a late payment fee. The credit agencies have not rectified this information and they have not provided me with the investigation results.

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 2023-07-10 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: CT

Complaint narrative:
I reviewed my Consumer Report and noticed that I had one late payment on account that I was never late for and was on autopay for 5 yrs. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for any payments for any of my accounts including ( XXXX XXXX XXXX ) Please investigate and provide a proof with statements. If proof can not be provided I demand this late payment to be updated on time as it should be as I was never late ( XXXX yrs autopay ) Thank you

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 2023-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I Have a mortgage with PHH, and have requested for my PMI to be removed. They conducted an appraisal and denied my request. In reviewing the appraisal, it was done with a very low level of quality, had missing information, and used comps that were over a year old. I have followed all their requests to submit new comps on my own to start the process again. Since then I keep being told they need XXXX more days, then XXXX more days, then XXXX more days, and so forth to review. They state their PMI department is internal and is not able to speak with people directly. This process has taken months, and every time I call in, they tell me the person working on my case can not be reached. There is something extremely shady going on that it would take months for my complaint about the XXXX to be reviewed. Now I have to worry that because I am speaking up for myself when I call, that they are purposely delaying a response/decision on my PMI for my loan. 

Are you able to help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Paid my bill online in XX/XX/2022 and the funds take two days to come out of my acct, came out in one and I was about XXXX bucks short. I paid the difference and it still went on my credit report as 30 days late. I made arrangements and called the company to set up some hard ship payments and I haven't been late since. Id like that late payment removed if possible. 

This is for my quick silver CC with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10 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: GA

Complaint narrative:
The timeshare company called me to ask if I would like to put my timeshare into deferment. I agreed, and I thought that is what I signed up for, but a few months later, They reported the 2 payments as a default instead of deferment. I am unsure if it was a mistake, but I would like this fixed. I have been denied credit and I am very upset! I fight hard to eep my credit in good standing, so for this to happen, it is truly disappointing.

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 2023-07-10 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Credit Bureau RE : Update Personal Information To Whom This May Concern : I am writing to ensure the credit bureau is reporting accurate information at all times. I have highlighted the areas below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the following inaccurate names : 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 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 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 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 Please delete the following inaccurate telephone numbers : ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of the particular items that you are reporting under FACTA Title 1 section 151. I have enclosed copies of my state ID and social security number to validate my identity. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief