vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-26 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: NC

Complaint narrative:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES.

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 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am disgusted with Care Credit. They closed my account with absolutely no notice, and it happened to be the very day I needed to use it for a medical bill. I have been an excellent customer ; I have never missed a payment, and even paid off my entire balance a few months ago. After doing some research, I found that they often do this to customers, many of whom were in far more dire positions that I. People use Care Credit because medical care is inaccessible and unaffordable in our country, and many of us depend on it in order to get necessary medical/veterinary care. For many, closing this account with no reason or notice could quite literally jeopardize someone's life. I'm horrified that a company with " Care '' in its name values its customers so little.

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 2022-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX Im emailing you regarding a XXXX XXXX dollar compensation that bank of America was supposed to sent me For a fraud back in XXXX through XXXX, I was unsuccessful and I was avail to get some help with a lawyer unfortunately lawyer was XXXX to get the money but bank of America was not willing to accept the refund so were emailing you to know the next steps from here, I have the date of an appointment I had with a banker showing the money was accepted but no money yet.

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 2022-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: NY

Complaint narrative:
I'm having a hard time with Wakefield & Associates reporting a debt that was paid by my insurance company ( see attached statement ). I've called this company, disputed this with the credit company ( XXXX ) three times and Wakefield & Associates keep saying that the debt is correct, the balance owed to Empress after my insurance payment is {$90.00} that's being reported by XXXX XXXX XXXX. I would like for the two items to be removed from my credit report and I believe Wakefield & Associates is in violation and should be fined for this violation. 

Thank You for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/22, I was contacted by a Citibank robocall telling me that my savings account was overdrawn. I preceded to go to a local Citibank Branch to inquire what had happened. Upon my arrival, XXXX XXXX, a Citibank employee preceded to assist me with my inquiry. Upon reviewing my savings account, it was discovered that all money had been taken from my account. It was discovered that someone had enrolled me in Citibank online bank system without my knowledge nor consent. ( BE ADVISED THAT I HAVE NEVER ENROLLED IN CITIBANK ON_LINE BANKING SYSTEM ) The individual proceeded to write a series of checks addressed to me and deposit them into my account and then withdrew the money that was deposited. Being that I had a balance of over {$40000.00} dollars in my account, it was able to cover the checks that were deposited and Citibank issued the funds to the individual. 

Currently, Citibank Fraud Department is reviewing my case and will contact me in writing with the results of the case. 


This was a classic case of Unauthorized Online Wire Transfers. 
Currently, I have no money to pay my bills and I'm in a dire situation. I hope you can assist me in getting my money back from Citibank. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2022-04-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed inquiries that were done without my knowledge and or consent and they are still on my report. Under FCRA laws, I have the right to an accurate and true report. You can not verify or tell me something is true because its showing on my report. The credit report is information from third parties who can and will not speak for me. Please remove them. It was disputed within the bureau and as you are the distributor of my credit report, this is a bureau issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion will generally not answer a call and their staff members on incompetent. I have tried to resolve an issue that states " Account Security : Your account has been temporarily suspended ''. This has been on my account for over 120 days and is preventing me from obtaining credit. This has created a hardship for me. I have spoke to their associates and they say that they will send me a " password reset ''. I question them about it and they tell me that it will clear up the matter. Then I go through the entire hassle and it does nothing. 

If this company can not be responsive and can not fix issues that they created, then the Federal Government should enforce the penalties associated and eventually they will correct their behavior or be forced to close.

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 2022-04-26 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My BofA business card had fraudulent charges placed on it. I have made multiple attempts to get through to BofA to handle this by phone ( as they do not offer any online dispute requests for their business cards ), to report the fraud, to close the card, etc. Interminable hold times and often after waiting on hold just get an automated voice stating that no representatives can answer the call and to try again later. It is apparently impossible to get through to BofA by phone and they offer no other way to deal with the issue. 

I have not used this card in months. Any charges on it ( currently one charge and one credit from XXXX which doesn't even operate in XXXX XXXX ) are fraudulent and I want them removed. And I want the card closed as I do not wish to do business with BofA any longer.

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 2022-04-26 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: TX

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting.

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 2022-04-26 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: TX

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Company will not remove PMI in a timely manner even after being forced personally to file a request for PMI removal. The home reassessment from the town has been provided even though this should have been automatic since the the owed balance is less than 75 % of the home value. This has resulted in me paying three months of PMI for nothing and the company will do nothing about it. 

Also, The mortgage company has not provided a reassessment of my escrow amount. I have had to ask 5 times for revision and on the final time they somehow reduced escrow even with the increase in taxes and this being new construction and previously being assessed as land only. I now have to manage my own separate account for escrow and have already been sent a supplemental tax bill from the town that I had to pay directly. 

Company is unresponsive, the website doesn't work properly ( today I couldn't pay my mortgage payment for over an hour due to website errors ), and customer service is rude, confused, and uninformed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Glass Mountain Capital, LLC
State: MI

Complaint narrative:
This company has called my work phone number multiple times. The first instance my coworker answered ( before I arrived at work ) when my coworker asked for the number for me to call back they simply told her " Use the number on the caller ID '' ( Unprofessional, rude ) I called them back and let them know they were not allowed to call my business line at all. A week later ( today ) I received yet ANOTHER call from this company after telling them they were not allowed to call my work number. This is 100 % illegal. They do not speak to anyone once you tell them to not call Call dates XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: TX

Complaint narrative:
I disputed inquiries that were done without my knowledge and or consent and they are still on my report. Under FCRA laws, I have the right to an accurate and true report. You can not verify or tell me something is true because its showing on my report. The credit report is information from third parties who can and will not speak for me. Please remove them. It was disputed within the bureau and as you are the distributor of my credit report, this is a bureau issue.

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 2022-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed inquiries that were done without my knowledge and or consent and they are still on my report. Under FCRA laws, I have the right to an accurate and true report. You can not verify or tell me something is true because its showing on my report. The credit report is information from third parties who can and will not speak for me. Please remove them. It was disputed within the bureau and as you are the distributor of my credit report, this is a bureau issue.

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 2022-04-26 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: WLCC
State: AZ

Complaint narrative:
Our small business began receiving harrassing phone calls from the number XXXX. The caller claimed someone on our payroll had defaulted on a loan and they were calling to garnish the employee 's wages. We are a small family owned business and we have no employees on payroll. We explained this to the caller and asked them to cease contact. They then emailed us ( pdf attached ) trying again to garnish a non-existent employee 's wages and asking for access to our payroll. The business names XXXX XXXX and Apex Servicing seem to be associated with the caller/emailer. There is no debt or loan to be collected. This seems to be a scam, full stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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: PA

Complaint narrative:
I didn't apply for these account these accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been a card holder of Capital One for several years now. Over a year ago I reached out to customer service regarding my {$600.00} credit limit on a secured credit card I had with them. At the time of my call, I had demonstrated on-time payment history for the past 2 years. I requested my account be evaluated for graduation to an unsecured credit account. I have several unsecured cards with much higher spending limits. I was told a request would be submitted and I should expect to hear back in 30-45days. No communication has came from capital one regarding this matter. Additionally, I acquired an auto loan for approximately $ XXXX with Capital One and had absolutely no late payments and the loan was paid in full last year. This company knows I have good repayment history which is why they send additional offers. Capital One also just pre-approved me for another auto loan for over $ XXXX but wont grant me more than {$600.00} on my credit card? I also pre-qualified for the XXXX Capital One Cars. Very unfair how they treat loyal card holders by forcing them to open new accounts to get additional credit as opposed to acknowledging our requests on our existing accounts. My credit score is more than XXXX points higher than it was when I signed up for this card and my account has not been released into a secured card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26 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 have been recently on a credit building journey, I have been building my credit profile up for about 1 year now and I try my best to monitor my reports best I can, upon reviewing my report which I try and do monthly to my surprise I noticed my credit score dropped a lot of points I clicked on what the factor was for the drop in points and thats when I came across the FRAUDULENT account in question. It says it from XXXX of XXXX and that the collections was opened up in XXXX of XXXX, XX/XX/XXXX is when I noticed it on my account and was in my credit report by that time. this charge and collection is FRAUD I did Not commit these acts I am a Victim and a TARGET OF IDENTITY THEFT Ive contacted the credit bureaus and Ive tried to contact the company which holds the debt and they talked to me like I was incompetent and said those was nothing that can be done and they tried to get me to pay for Account that was FRAUD, Ive requested that the company XXXX XXXX XXXX send me a FRAUD PACKET IN THE MAIL the company said there was nothing they can do, Im hoping I can have someone on my side to fight this fight with me for these FRAUDULENT CHARGES ON MY CREDIT REPORT. I am currently trying to purchase a house and I dont think its fair that THIS FRAUDULENT ACTIVITY is holding me back after Ive worked so hard to build my credit profile. 

The original creditor as reported on my Credit report is 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 2022-04-26 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: VA

Complaint narrative:
I filed a dispute on my student loans ( XXXX ) with XXXX and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. XXXX did not fix this issue and when I called XXXX they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from XXXX that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/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 2022-04-26 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I filed a dispute on my student loans ( AidVantage ) with XXXX and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. XXXX did not fix this issue and when I called AidVantage they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from AidVantage that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation