vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 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: DE

Complaint narrative:
I am writing and submitting this letter of my own accord and without any assistance from third party involvement. The CFPB has my authorized permission to investigate this complaint for me. I am a victim of identity theft and I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS 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 non-monetary relief
Consumer complaint received 2021-12-24 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: Flagstar Bank, N.A.
State: OR

Complaint narrative:
We were under a XXXX forbearance but have begun a loan modification with Flagstar Bank. Our first payment was made XX/XX/XXXX. Then on XX/XX/XXXX a change on our account prompted XXXX alerts from XXXX and XXXX saying that there is new " major derogatory '' information on my credit report. This new information seems to be related to the fact that we made our first mortgage payment under the new terms of the modified loan. The comments on the account in question say " paying under a partial payment agreement, '' meaning that the amount we are paying is less than the monthly amount of the previous loan. It was our understanding that a XXXX forbearance would have no negative consequences to our credit report, so I called both XXXX and Flagstar Bank and asked them to correct this error. A new letter, dated XX/XX/XXXX, from XXXX says that they updated the information, but the supposedly updated information is unchanged. It still says exactly the same thing, word for word. The letter says the following : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. '' I am not sure what I should do at this point, but this seems to be an error that Flagstar should correct. Please 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 explanation
Consumer complaint received 2021-12-24 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: IL

Complaint narrative:
Im really not understanding why you all are giving me XXXX on earth and disregarding every mail, every complaint I send to you all this has been going on since XXXX of 2021 and you all are still holding these accounts on my report for no reason and without any legit proof.First, I will like to say stop sending me mail saying verified as accurate with no factual proof thats it is accurate.You sending me billing statements is not considered proof on why it must stay on my report because as I said in the previous XXXX complaints those are alleged debts and even those billing statements are false and misleading XXXX am also aware that with you all actually dealing with my information you all should not be reporting ANYTHING without my written consent and being that this is going on a good 8 months strong you all have yet to send me a written contract with my consent. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

The only reporting agency that removed all these accounts were XXXX because they know they are in violation so if one of them has followed protocol YOU ALL NEED TOO AS WELL!

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 2021-12-24 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:
i tried to get hard inquirys deleted off my report with experian but its unresolvrd the folloeing are of concern credit oneank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXXXXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, XXXX XXXX By Mail Only Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-24 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: DISCOVER BANK
State: FL

Complaint narrative:
I used my Discover Business Credit card to pay for services from a website developer. 
The website was not delivered to me - I do have access to the credentials or have ownership of the work. I paid {$3900.00} to have a custom website plus other branding, graphic illustration etc. created for my company on XX/XX/2021. When the work had not been completed in XXXX I filed a dispute with Discover Card that but they charge it back stated that the work had been done. I explained to them that first of all the work had not been finished, and that more importantly I was no given ownership of the website or other assets that I paid for so that does not equate to services rendered because it was not delivered to me. Since I do not have access to the files and right to them I can not not use them. They advised me to take legal action against the company but they would not credit my account,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
- We are trying to refinance our second home property at XXXX XXXX XXXX XXXX XXXX CA XXXX. - name XXXX XXXX XXXX Wells Fargo keeps manufacturing reasons and delaying the refinance. 
- Aside from taking an unusual amount of time we have more than met all guide lines but they have made these excuses with long delays 1- We had a forbearance with XXXX. Wells Fargo said a Verification of Mortgage would suffice in showing an end to the forbearance. We produced that document from XXXX to then have Wells Fargo tell us we need a letter showing an end date to the forbearance. XXXX said they do not produce and to use the Verification of Mortgage which is standard. 
After working days with XXXX  I was able to have them produce a letter showing an end date. All of this despite Wells Fargo saying a Verification of Mortgage would suffice in the beginning- they then changed the guideline to a letter showing an end date knowing I did not have one. 

2- As of XX/XX/XXXX I requested for an update since it had been weeks since all paperwork was provided. The response I got " Unfortunately, not good news due to the forbearance. They stated that 3 consecutive payments were not made in time before the application. Underwriter stated we can re-apply and have it assigned back to her and can approve it as shes aware of the file. 

We were not able to get an exception and approve the current transaction since his third payment was made on time after catching up the loan as of XX/XX/XXXX which was after the application date of XXXX " This again was newly manufactured underwriting guidelines. I showed all my payment history with large lum sums paying off the forbearance amount and three consecutive payments for the three previous months- XXXX, XXXX and XXXX Now months after the fact they say they needed to see three consecutive payments before my application??? - new info and I did provide months of payments From XXXX - XXXX- the monthly mortgage along with large payoff amounts. This could have been determined when I first uploaded my payment history. Showing 6 months or more of consecutive payments. This is brand new information/ rules after they pushed this and delayed this well into the holiday season. 

I only found out because I proactively reached out. They have no reason to not honor our refinance - these practices are unfair, scrupulous and deceitful to consumers. They can not make guidelines on the fly that apply to one consumer and not to others. They are working well outside the bounds of fair and normal guidelines not to mention prolonging this as a wear down tactic- Please advise asap as they will now use the excuse that the refi paperworks is aged and all needs to be updated.

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 2021-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My mother was the orignal mortgage holder but she passed away on XX/XX/XXXX. She had XXXX children. On XX/XX/XXXX we started the succession process and completed it on XX/XX/XXXX with the Judge 's signature on the Judgement of Possession. On XX/XX/XXXX the mortgaged home was damaged by hurricane IDA. On XX/XX/XXXX the insurance company issued a check to make repairs. The check was made out to my mother and the Bank of America. I submitted the check and the Judgement of Possession to the the Bank of America on XX/XX/XXXX. Bank of America returned check saying that we needed a Trust ID. Since that time, I have made numerous calls to the Bank of America and basically getting the run around with some the representatives saying everything was in place. Each time I am still getting this form letter returned to me and the house remains damaged. I have worked with the Bank of America Estate services and the loan manager for the account. Each time I am promised that the situation will be escalated and resolved. But, nothing ever happens.I am desparate to get the house repaired and even offered Bank of America the option to keep the funds and distribute them to the contractors.

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 2021-12-24 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: OR

Complaint narrative:
We were under a XXXX forbearance but have begun a loan modification with XXXX XXXX Our first payment was made XX/XX/XXXX. Then on XX/XX/XXXX a change on our account prompted XXXX alerts from Experian and XXXX saying that there is new " major derogatory '' information on my credit report. This new information seems to be related to the fact that we made our first mortgage payment under the new terms of the modified loan. The comments on the account in question say " paying under a partial payment agreement, '' meaning that the amount we are paying is less than the monthly amount of the previous loan. It was our understanding that a XXXX forbearance would have no negative consequences to our credit report, so I called both Experian and XXXXXXXX XXXX and asked them to correct this error. A new letter, dated XX/XX/XXXX, from Experian says that they updated the information, but the supposedly updated information is unchanged. It still says exactly the same thing, word for word. The letter says the following : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. '' I am not sure what I should do at this point, but this seems to be an error that XXXX should correct. Please 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 2021-12-24 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: DE

Complaint narrative:
I am writing and submitting this letter of my own accord and without any assistance from third party involvement. The CFPB has my authorized permission to investigate this complaint for me. I am a victim of identity theft and I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS 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 non-monetary relief
Consumer complaint received 2021-12-24 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: DE

Complaint narrative:
I am writing and submitting this letter of my own accord and without any assistance from third party involvement. The CFPB has my authorized permission to investigate this complaint for me. I am a victim of identity theft and I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Earm LLC
State: VA

Complaint narrative:
The guy that keeps calling repeatedly & leaving threatening messages on my voicemail, he says his name is XXXX XXXX. He said he was from MAC about a debt & that legal action would be taken against me. It will be put down as a refusal to pay & being evasive. I don't have any debt & I don't know who he is. He constantly calls from different numbers & leaves different call back numbers as well. Some of the call back numbers left on my voicemail are XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. He also called from XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-12-24 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: IL

Complaint narrative:
Im really not understanding why you all are giving me XXXX on earth and disregarding every mail, every complaint I send to you all this has been going on since XXXX of 2021 and you all are still holding these accounts on my report for no reason and without any legit proof.First, I will like to say stop sending me mail saying verified as accurate with no factual proof thats it is accurate.You sending me billing statements is not considered proof on why it must stay on my report because as I said in the previous 100 complaints those are alleged debts and even those billing statements are false and misleading .I am also aware that with you all actually dealing with my information you all should not be reporting ANYTHING without my written consent and being that this is going on a good 8 months strong you all have yet to send me a written contract with my consent. 

Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

The only reporting agency that removed all these accounts were XXXX because they know they are in violation so if one of them has followed protocol YOU ALL NEED TOO AS WELL!

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 2021-12-24 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: MN

Complaint narrative:
Experian unfreeze does not work. Have tried for days for my Credit Union to be able to look at it to approve of my car loan, and they keep telling me it's frozen.

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 2021-12-24 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: PNC Bank N.A.
State: IL

Complaint narrative:
On XXXX, a fraudulent charge in the amount of XXXX appeared on my credit card account after I had contacted PNC Bank to warn them of suspicious activity at the same time that I received a text about the same thing. I had been contacted by someone from PNC prior to receiving the text about a fraudulent purchase in California. After the dust settled, PNC said I was complicit and is holding me accountable for the XXXX amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been denied access to my online mobile banking app. The financial institution has placed a block and wont allow me to log in. They are restricting my access. I need access to do an external bank transfer and get my funds transferred to my other bank. I can not do this without logging in. I have spoke to 3 different people that cant help. They wont give me information, wont lift the block, telling me there are no supervisors available, etc. 
I have a family with XXXX little children. I have close to {$3000.00} in my checking account that they wont give me access to. This is also a new checking account and I have not received my bank debit card yet so I cant use an atm. There are also no Citibank branches where I live here in Texas. This is bank negligence and the institution needs to be held accountable.

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