vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: MO

Complaint narrative:
Hello, I saw a property online that i was interested in purchasing. 

There was a link to XXXX XXXX XXXX as a suggested company to use for the pre approval process. 

I entered my information and was contacted by XXXX XXXX, Loan Specialist via phone. 

I returned his call and spent 30 minutes giving him the information he requested to get the process started. 

He asked me for a time that he could call me back and discuss next steps. I verified that he would call me and he agreed. 

I did not receive a call back at the allotted timeslot. I waited for an hour in case there were details he was still working on. 

After the hour past i called and left him a voicemail. He waited until the end of the work day and sent me an email stating the reason he would not be able to approve my application. 

None of the numbers he based my non approval on corresponded to the request I made on the application. He entered numbers he chose that over exceeded my request by tens of thousands of dollars. I find that action totally unacceptable. 

When I reached back out to him by return email and reiterated the numbers from the original conversation, I received an email back this morning that recalculated a percentage that was again incorrect and still tens of thousands of dollars over what I requested originally. 

these practices are unethical and deceiving to the general public and should be punishable by law in my humble opinion. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-08-18 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:
Hi I am submitting this XXXX FNCHES this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions 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 2022-08-18 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 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 non-monetary relief
Consumer complaint received 2022-08-18 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: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICRTIM OF IDENTITY THEFT AND IDD NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRET MY CREDIT REPORT. I DO NOT CONSENT TO, THE UNAUTHORIZE USE OF MY SOCIAL SECURITY NUMBER PURSUANT TO 15 USC 1602 ( P ). I DEMAND THAT YOU BLOCK AND REMOVE ALL THE ITEMS LISTED INCLUDING ALL PERSONAL INFORMATION THAT IS NOT ON MY LICENSE ON PROOF OF ADDRESS ATTACHED. PURSUANT TO 15 USC 1681C-2 BLOCK AND REMOVE THESE ITEMS IMMEDIATLEY.

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 2022-08-18 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: KS

Complaint narrative:
On XX/XX/XXXX a charge was put on my Bank of America AAA Visa credit card in the amount of {$7000.00}. as a cash transfer to a bank, XXXX XXXX. I reported it immediately when i saw this transaction and they issued me a new credit card. It was posted on my card on the same day I made a purchase thru XXXX using the same card. On XX/XX/XXXX, I received a letter from Bank of America saying my claim # XXXX was denied as it was a balance transfer that went directly into an account in my name and that charge of {$7000.00}. was put back now on my new card. I looked XXXX XXXX  up on the internet and called them to see if I could find out whose account this transfer went into. They said they could only help Bank of America so I filed another fraud complaint with BOA on XX/XX/2022. When on the line with XXXX XXXX  they verified that I have never had an account with that Bank. I need help with getting this charge off my credit card as it was not made by me and so far no help getting this resolved from Bank of America. This put me way over my credit limit and they have shut down my ability to use this credit card which I use for my daily living expenses. I am an XXXX yr old XXXX  and need help asap.

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 2022-08-18 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: AL

Complaint narrative:
In According with the Fair Credit Reporting Act, 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 a 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 explanation
Consumer complaint received 2022-08-18 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: AL

Complaint narrative:
In According with the Fair Credit Reporting Act, 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 a 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 explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XXXX, PA, a law firm in XXXX XXXX, North Carolina, wrote a check from an escrow fund containing my money on XX/XX/XXXX. The check for {$8500.00} was sent to Barclays at the address shown on their website. This check was to pay down debt on a XXXX XXXX XXXX as part of a real estate closing. 

Barclays deposited the check on XX/XX/XXXX at a bank in XXXX, Maryland. XXXX has a copy of the canceled check. Yet Barclays has not applied the payment to my account and continues to charge me interest on the balance. 

In a three-way call today, an attorney from XXXX and I were told by a Barclays customer service representative that a case has been created ( # XXXX ) and Barclays is investigating. Apparently, they have no idea where the money is or why it hasn't been applied. I was told it will be another 30-60 days before the case is resolved. 

The Barclays representative says this is " a known problem. '' I don't know if he meant my lost money in particular, or if they have several cases where deposited money has vanished.

Either way, this is unacceptable. We asked if we could contact the Investigations Department directly and were told no. My attorney was very upset and suggested that I file a complaint with Consumer Protection, so this is it. 

I want my {$8500.00} -- which I know for a fact is in Barclays ' possession -- to be applied to my credit card account without delay, without any more vague promises for eventual resolution. I want the finance charges for this period to be rebated or forgiven.

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 2022-08-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions CBNA account 426938

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 2022-08-18 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:
My name is XXXX XXXX i feel like i have no consumer rights and under attack when dealing with Experian XXXX, I am a victim of identity theft The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft I've contacted Experian 7 months ago about this matter i sent in police reports, reference number is XXXX FTC Report Number : XXXX ( www.identitytheft.gov ) today is XX/XX/XXXX and i recently pulled a credit report from www.annualcreditreport.com upon checking my report i seen that Experian unlawfully rescind & listed the fraudulent account back on my consumer report without notify me 213 days later which is past the 30-60 days for a complete investigation, i reach out to Experian today XXXX and spoke to XXXX a manager from the fraud dept she told me there's nothing i can do about this fraudulent account being reported on my consumer report that its never going to be block or remove, she became very rude and started yelling once i told her about my rights under the FCRA she told me that those laws don't govern experian she then became very upset and hang up on me after, the way Experian handle MY dispute unfair and unlawful, EXPERIAN IS THE WILD WILD WEST I'M UNDER ATTACK WHEN I SPEAK TO SOMEONE FROM EXPERIAN, DON'T MATTER HOW MUCH INFORMATION I SEND TO PROOF MY CLAIM THEY IGNORE IT, FIRE BACK AT ME LIKE IM NOT THE VICTIM, MY IDENTITY WAS STOLEN AND USED WITHOUT MY CONSENT 18 U.S code 8, I owe no debit. XXXX and XXXX is violating my consumer rights to privacy pursuant to 15 USC 1681b 2, Company also has no permission to report ANYTHING using my non public information pursuant to 15 USC 1681-4 , this company has NO permissible purpose to use my data/ XXXX 
MY MOBILE PHONE NUMBER WAS XXXX XXXX TWICE BETWEEN XX/XX/2021 also my mail was stolen and fowared from my mail box i contacted the united state postal service and made a report i also made a police report #, i did not obtained possession of goods, services, or money a from this company Credit Reporting Agencies ( CRAs ) must delete and block fraudulent /inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]

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 2022-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
I have disputed this debt several times. They are in violation of my privacy rights {$1000.00} violation Pursuant to 15usc1681b no permissible purpose, falsely placing on consumer report is grounds for imprisonment and or {$1000.00} per violation 15usc1681a ( i ) ( 2 ) medical hippa violation, It should only be discussed between consumer and facility {$1000.00} violation. 
I have never ever owed any debts to a hospital. They can't prove the visit when I requested it, so how are they saying this is my debt?? >

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 2022-08-18 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-08-18 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Inquiry details XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX View your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
For years now I have been investigating my credit report. Companies such as XXXX, XXXX and Transunion, have been committing fraud, identify theft and long term racketeering along side of banks and third party companies they are using as shark debt collection agencies. 

i have suffered much XXXX  and XXXX  XXXX  and distress due to this ongoing disproportionate and disgusting behavior. 

These financial institutions breached their fiduciary duty to protect my nonpublic personal information by withholding a known fact!! 

GLBA states i was suppose to receive an explanation as to how I can opt out of all information reporting negative information. 

Late payments/Charge offs = R.I.C.O among federal laws these companies have collectively and knowing kept doing are the following 18 USC 1341 -Frauds and swindles 18 USC 1344 - Bank Fraud 16 CFR 1681 ( CRIME ) 15 CFR 1681c-1 ( FCRA )

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 2022-08-18 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: FL

Complaint narrative:
Please refer to case XXXX for more information. But the summary is that Bank of America closed my account, and I still don't know what I did wrong. I am unable to open an account, and no one will tell me why. 

Bank of America can not discriminate against someone that wants to use their services. They have claimed that they respectfully decline to tell me why they closed my account. That is not a sufficient answer in a world where companies have proven to discriminate against certain groups of people. 

I have attached my most recent online application which was again denied without providing any reason as to why. I called the number, and they also were unable to provide any reason. I have also attached the closure letters that were sent to me 6 years ago. This should help them find my case. 

Banks have used taxpayer money in the past and I'm sure they will do so in the future which means that they are accountable to us, not the other way around. These kinds of processes need to be transparent.

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 2022-08-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 

XXXX Account # XXXX 30 days late in XX/XX/2020.

Company response to consumer: Closed with explanation