vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX  is the holder of my mortgage. They are continuing to charge me for PMI even when the loan has been paid down enough to be below the 80 % threshold. I purchased a condominium in 2016 for {$80000.00}. I put 10 % down and financed {$72000.00}. I pay $ XXXX in PMI. The mortgage is now paid down to {$61000.00} which is 76 % of the sale price. This alone warrants the elimination of PMI. I'm not even asking for them to consider the real value ( my next door neighbor just sold for {$200000.00}. ). 

I have sent several letters to the bank and received standard denial letters due to the fact that " the value of my property can not be determined ). I feel that this is deliberate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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

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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This seems to be a recurring issue with your XXXX  credit card. The same issue happened around XXXX where I was not awarded the appropriate number of stamps. It happened again in XXXX, last month. The last time you all told me that it is a XXXX issue. I am trying to get answers one more time before I close this account and just go to a competitor. I would think that you would want to make sure your programs are companies you deal with to be ethical, and to make sure your customers get what is advertised. As you can see on the attached statements, I earned XXXX stamps, but I was only awarded XXXX on my XXXX account. I try to call XXXX, but their reps are outsourced and can not fully comprehend XXXX. They keep asking for an itinerary number, but I keep telling them the issue does not pertain to an itinerary number, but a missing stamp that I earned thru purchases with my XXXX credit card. Again, if the only thing you can tell me is that I need to contact XXXX, I will have no choice but to close the acct, as I can not keep spending all this time to ensure your program credits as advertised.

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 2022-04-06 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: CA

Complaint narrative:
After receiving my credit report, I noticed inaccurate information being reported on my credit file. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to XXXX, XXXX, and Transunion about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against XXXX, XXXX, and Transunion for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.

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 2022-04-06 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: CA

Complaint narrative:
After receiving my credit report, I noticed inaccurate information being reported on my credit file. ( XXXX XXXX XXXX  ), ( XXXX XXXX ) On XX/XX/XXXX I submitted disputes to XXXX, Experian, and XXXX about the inaccuracies being reported and to have a thorough investigation done. They claim to have verified the accounts. How is this possible when there are missing account numbers, missing dates, reporting last payment of XXXX, XXXX XXXX but shows charge off at same time., past due amounts are missing. According to the FCRA, i have the right to a 100 % fair and accurate credit report. The information being reported across all three bureaus is inaccurate and therefore must be deleted immediately! If these accounts are not immediately removed from my credit report, I will be seeking litigation against XXXX, Experian, and XXXX for violation of my rights under the FCRA. As I am inserting a copy of credit report with the inaccuracies circled, I feel as though a time frame of no more than 14 days is required to resolve these issues.

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 2022-04-06 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: NY

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 :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently discovered that Experian is charging me for a credit monitoring service without my authorization. I signed up for free monitoring but discovered I am being charged monthly a little over XXXX dollars. 

I have called XXXX. 
I have called XXXX as well as XXXX. In which I am told by an automated system that I can not be transfered to a Experian XXXX. And I am not even given the option to do so. 

I have tried to above method of contact for more than three days and I would like to handle this matter as soon as possible. I can not even find out how long I've been paying for this unauthorized service.

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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: ID

Complaint narrative:
I have a credit card bill that went to Rausch Sturm LLP Attorneys At Law do to a law suit with a former company. I have been contacting them for the last 2 months asking for a payoff. My bank is giving me a loan and it is just waiting for the pay off letter. We have called repeatedly, emailed, the bank has called, I filed a complaint with XXXX  and all they said was they mailed me the letter, that was forever ago. The Rausch Sturm LLP Attorneys At Law company will not answer my calls now, the banks calls, or my title companies calls. I just want a pay off. They are cashing my payments just fine, but had stated previously that they did not have an account # for me. How can you cash a payment without an account # and it only takes a few minutes to give me a pay off. I am exhausted and time is running out for me loan to be able to close. 
Rausch Sturm LLP Attorneys At Law XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. 
XXXX WI, 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 2022-04-06 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: Conn's, Inc.
State: NC

Complaint narrative:
bought a tv from conn 's XXXX XXXX in XXXX nc around XX/XX/XXXX XXXX it hasnt been 30 days XXXX the item is already having issues. i tried to fix this with the store XXXX headquarters. the store is not willing to refund me the money right now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
I purchased XXXX XXXX XXXX, XXXX, OH XXXX, on XX/XX/XXXX. The mortgage was with XXXX XXXX XXXX  XXXX, who transferred the mortgage to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  then transferred my mortgage back to XXXX. Each time the mortgage was transferred, I provided proof of paid taxes and insurance. Since purchase, there has been NO ESCROW on my mortgage. In XXXX, XXXX transferred my mortgage to FAY Servicing, and FAY Servicing began billing me for escrow. I have mailed FAY Servicing my insurance declaration page, had my XXXX XXXX agent send my ( paid ) insurance information, I've FAXED my paid insurance documentation, emailed it, and verified via my online account that FAY Servicing has received my ( paid ) insurance documentation. Now FAY Servicing is billing me for escrow and late fees for not paying the insurance escrow which I don't owe. My mortgage has never had escrow. FAY Servicing has verified to me ( by phone, multiple times ) that I do NOT owe escrow, and yet they send me escrow bills ( + interest ). I object to XXXX 's transfer of my mortgage so many times, and to FAY Servicing trying to add escrow & late fees to my mortgage when none is owed. Despite numerous calls and document submissions, this issue has continued unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: PA

Complaint narrative:
I submitted a complaint on XX/XX/2022, and it's now XX/XX/2022. It is now past the 30 days in which to respond. I submitted proof of my incarceration and my identity theft reports. At no time did Experian temporarily block the fraudulent items until the furnisher responded. I showed proof that I was not even able to apply for anything. Someone clearly used my identity. Please see complaint XXXX. Which has all the proof associated with my complaint. At this point, my rights are being violated as a consumer under the FCRA. Since my identity has been used Experian should have acted immediately to protect me the consumer, the way that XXXX and XXXX both removed the fraudulent items.

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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX SS # XXXX. 

Please see the attached CFPB complaint # XXXX where LVNV responded on XX/XX/21 That they got with the original creditor who confirmed there was fraud on the account! They agreed there was fraud and ceased ALL Collection activity!! I have received NO correspondence nor=thig regarding this account at all in XXXX years!!! LVNV agreed to get rid of the account!!! Who do you think you are sending me this?! My husband passed from XXXX, then my XXXX daughter passed for XXXX, I got XXXX  and was on the vent for a long time, I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spent a long time in recovery. I mentally can not handle this! 

I get a letter in the mail from Resurgent Capital Services stating they are collection {$2200.00} for LVNV!!! Is is a true violation of FDPA, FCRA and I am sure UDAAP will fall in scope! This tradeline was removed from all bureaus but XXXX!! 

I would love to know why in the world I received a letter now over three years later asking for me to submit proof of a police report!! Are you out of your mind?! I disputed these charges right away with XXXX XXXX!! Monthly I disputed these here are the CFPB complaints for reference! They did NOTHING! Then sold my account to a collection agency who did NOTHING until I filed a CFPB complaint! Youre way too late to ask for any of this!! I am not going back 3 years and digging up proof. XXXX XXXX failed to review the fraud claim and my FCRA dispute which are violations of law!! Not only are they in violation of FCRA, but also the Reg Z billing dispute Process. I disputed these charged within 60 days of being billed for them with XXXX XXXX!! They did NOTHING!!! I kept disputing until they sold my account to collections. 

I am in a wheel chair with no legs it is kind of hard for me to get around. If XXXX XXXX had done their job correctly!! 

I have disputed this with XXXX over ten times in the past three years!!! No one is doing a proper valaidation of my fraud claim!! If they did, they would review the response from LVNV and remove the collection account from my report!! This is a true velation of FCRA and all Identity Theft Red Flag processes that are in place! 

Again read the attached response where they acknowledge fraud and remove this collection account from my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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

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 2022-04-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX and 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank solicited the creation of a new savings account with high interest rate. It looked like a good deal so I opened the account and left my funds on deposit for several months. I then wanted to use some of my funds and encountered unreasonable withdrawal limitations. It would take me 6 months just to get my initial funds back. Next I requested to close my account, but they said it will take 14 days and I need to wait until after a pending deposit is completed. I feel like this is a predatory banking process. Other banks that I use ( XXXX XXXX and XXXX XXXX ) don't have the same limitations.

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 2022-04-06 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: PA

Complaint narrative:
Late Payments Were Put Onto My Account whenever I Was Enrolled In School. These Need Removed. Ive Contacted Both Loan Providers By Phone, Mail And Email And got Nowhere With Them. They Said They Were Supposed to Be Removed Yet They Remain And That Was From Several Years Ago Now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-04-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
They keep texting me without my permission. 

XXXX XXXX needs to pay me for the cost of the texts and my time otherwise I'll be filing a complaint at XXXX Professional Account Management LLC already stated in their written response of CFPB complaint XXXX that they did not have permission to text the cell phone number. They are not removing the automated texting of all their users.

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 2022-04-06 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: GA

Complaint narrative:
Transunion and XXXX did not help me remove these unauthorized inquires XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted too many complaints with CFPB regarding my issues with Experian. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. Experian then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a problem with Experians investigations into existing ongoing problems. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score. I currently do have a problem with fraud and the identity theft protection service XXXX XXXX  is suppose to have came with {$1.00} Million in Identity Theft Insurance - my information was sold to the dark web and Experian did nothing. My phone number was sold to the dark web and Experian did nothing. My email address was sold to the dark web and Experian did nothing. I just got an email stating new address associated with SSN - can't respond to the alert as I can't access the account to find out what is going on.

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