vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

Account Name : XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
Experian 's own website says this company is not telling the truth once again they stole 17 months of on time never late payments to XXXX and refuse to put it back but keep pushing loans and credit cards saying this will raise my credit score, THIS IS FRAUD

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am writing to inform you that Bank of America suddenly closed an account of mine for supposed fraudulent activity, and then sent the remaining funds, about {$5000.00}, to the wrong address. After many calls and complaints to the FDIC and other banking regulatory watchdogs, I received a call back from a non-manager telling me that my check had been mailed to the wrong address! And, as long as its not cashed fraudulently by some third party, I can have it reissued AFTER 120 days! Initially, the check was sent XX/XX/XXXX, so I will have to wait until XX/XX/XXXX ; again that is as long as its not cashed by means of a fraud signature. I think this is absolutely ridiculous. I have looked on XXXX and found that this has happened quite often with Bank of America and other banks. I am about to be a newlywed, I am moving and I need my money! I cant wait until XX/XX/XXXX, and in the hopes of some off-chance somebody does not end up cashing my check! In that case Im just plain out of luck ; Theres nothing we [ BOA ] can do at that point I was told. They didnt even apologize! 
Is there anything you could do? I would greatly appreciate your help and expertise navigating this matter.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint against Equifax located in XXXX, GA .This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit 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: Continental Finance Company, LLC
State: VA

Complaint narrative:
I contacted the credit card company and was issued a new card but havent been adjusted for these charges that I didnt make. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ) and account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account was deleted from my XXXX report and experian. All three accounts shall match. This is inaccurate information and it is violating my rights. How is only one credit beurea saying verified while others are saying deleted. Please delete these accounts because you are violating my rights.

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 2023-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I call the first time, and the young lady didnt get any information told me they would close it eventually without any kind of confirmation. Called a second time after I received a debit card that I did not apply for requested to talk to Merrill Lynch once again the second person got information told me I would have to go into a bank branch since I would not give my Social Security number and birthdate. I went into bank and they close the account with debit card, but was not be able to contact Merrill Lynch, but they had started an investigation apparently. The associate and bank manager put notes in requesting they close the Merrill Lynch account self-directed account. I have not received anything cents in the mail. I dont understand how you can issue account in debit cards, but cant send a letter stating it was closed in the same manner as they open the accounts.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with XXXX report and driver license for them to remove inquires that were not authorized by me which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
We have never had a late payment. There was one instance where we had overpaid and the mortgage company was not accepting our automatic deposits. But that only lasted for XXXX months. There was one other time when the loan was transferred to Specialized Loan Servicing and they sent us a late notice in error. 

XXXX reached out to Specialized Loan Servicing via their messaging portal to ask for the process in canceling PMI once we reached 78 % XXXX the home 's original value. 
We received no response. 

XXXX called the XXXX number and were told to email XXXX. We did. We received a canned message on XX/XX/2023 about how to cancel the escrow account, rather than my PMI. 

XXXX inquired a third time. and received another canned message ( on XX/XX/2023 ) telling us how to cancel my PMI before the scheduled date. Again, the scheduled date was XXXX year ago, so the information provided did not answer my question. 

XXXX We emailed again asking to speak with a manager and received no response. 

XXXX called customer service again on XX/XX/2023 and was transferred to a representative in the XXXX department. She advised me that we had not reached the Scheduled Date where PMI could be cancelled. I asked her to provide me with the scheduled date, and she indicated that she didnt have that information. She would submit a request to the XXXX XXXX to research that and make a determination but would not let us know if and when a determination would be made. We needed to call back on an unspecified date to find out. 

XXXX received a call from XXXX XXXX XXXX asking us to return the call. There was no extension or name. We did and had to start over with the representative that answered the phone. We waited while he read through notes. He then said we needed an appraisal. We told him that you do not need an appraisal when you are not trying to cancel early and that we wanted to speak with a supervisor. We were told one would call us back.

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 2023-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
The law firm assisting me with my mortgage issues, submitted a financial package to be reviewed for all options including, but not limited to a loan modification, XXXX modification and partial claim, and stand-alone partial claim. The financial package was submitted to PHH on XX/XX/2023. My law firm followed up with PHH on XX/XX/2023 and was told that a letter went out that they need XXXX pay stub dated within the last 90 days to make a complete financial package. They confirmed that once this document was received, the foreclosure would be placed on hold while my file was in review. 

I sent my XXXX most recent pay stubs ( even though they only requested XXXX pay stub ) to my law firm who emailed them both to PHH 3 times in pdf format on XX/XX/2023. My law firm followed up with PHH on XX/XX/2023 and the rep confirmed they received both pay stubs. 

My law firm followed up again with PHH on XX/XX/2023 and were told that the foreclosure was still active, that neither of the XXXX pay stubs were legible, and that they would need to be resent. My law firm confirmed with PHH that they were looking at the exact same PDF that they emailed on XX/XX/2023, which they confirmed they were looking at the same. I reviewed the PDF with my law firm that they sent to PHH and it is completely legible! Every word and number on the page is able to be seen without issue. If you zoom in, everything is even easier to read. My law firm explained to PHH that a PDF document doesn't change or become less legible when emailed so there is no way for it to be illegible to PHH and legible to the law firm and me. 

I sent my law firm my most recent pay stub on XX/XX/2023 and they emailed it to PHH 3 times that same day. When my law firm followed up with PHH yesterday, XX/XX/2023, they were told that the pay stub was received, but the file was still not deemed complete. They also said that a sale date is now set for XX/XX/2023 and they couldn't guarantee the foreclosure would be placed on hold or the sale withdrawn due to the sale date being within 37 days. 

This is completely unacceptable! I have attached the exact pay stubs that were provided to PHH back on XX/XX/2023. You will see that everything on the page is legible enough to make out all the words and numbers on the page. If you zoom in, they become beyond easy to read and see. My file should have been deemed complete and the foreclosure placed on hold no later than XX/XX/2023 as PHH said would happen. The sale date never should have been set! My hardship is over and I can afford my home and I am ready to get back to making payments.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with XXXX  report and driver license for them to remove inquires that were not authorized by me which they ignored.

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 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I live in New York where by now everyone are aware how expensive it is, and only people that are making a lot of money can live here but I cant afford to move anywhere else and I have XXXX which is very serious and Im working really hard and still cant make ends meet. I live in the project, trying to move one day, all Im around is XXXX  and cigarettes smell, mold apartment, and lots of roaches. I wish I could get some sort of help with paying off my student loans and credit cards too but Im at a lost because I dont know where to turn and I worried so much Im getting sick. I want to work a lot of hours but it is affecting my health and Im slowing down right now and needs help, please, please, Im literally crying for help. Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
TransUnion has released personally identifiable information in their data breach including my drivers license information and number, previous residential addresses and most importantly my social security number. This information has been shared across multiple channels and attempted to be used in credit inquiries etc. TransUnion unlawfully assured me my credit freeze was placed on my report prior to this event when my credit profile was not secured and my information was stolen. In XX/XX/2022 I was forced to obtain a cosigner on an apartment I was initially denied approval due to rental information that was never shared with me after checking my credit profile and requesting information on potential rental history. The name of the third party that was providing the inaccurate information was withheld from me and I was forced to use a cosigner to obtain housing despite having XXXX credit score and making the necessary amount with 2 jobs.

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am looking for a new job as a software engineer. A company contacted me, I interviewed and they said I got the job. Then they sent me a check of {$3800.00} to spend on a XXXX and printer and other home office supplies. It turned out to be a scam and on XX/XX/XXXX my account was closed. I had a meeting yesterday XX/XX/XXXX with my BofA and they said my account was closed due to risk. I asked can I open a new one with them and they said I cant due to my social security is on file as risk. Please help me I dont know what to do. Ive been with BofA for 16 years. Im getting a job soon and I need a an account to do direct deposit please someone help me.

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 2023-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CMG Financial Services, Inc.
State: CT

Complaint narrative:
On XX/XX/2023 my partner and I did the closing at law office of XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX they only gave me the closing disclosure they told me documents will arrive in my mail box fron Lender CMG Mortgage home loans located at XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, since XX/XX/XXXX I been calling customer services form CMG and they tell me my loan doesn't exist and it is supposed to be on sistem it's almost time to make my first payment and I have no documents only the disclosure and a copy of the deed in the disclosure there is no information how or where I have to make my payments I am afraid there is something wrong with the mortgage Lender since I am a first time home owner I even call XXXX XXXX XXXX who was our lender officer at Cmg home loans and she say the same documents shuld be sent to your new home.

Company response to consumer: Closed with explanation