vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 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: Credit Plus Inc
State: FL

Complaint narrative:
I recently checked my consumer report and noticed there was an inquiry from credit plus a company I never gave authorization to or known of.The date of the inquiry was on XX/XX/2021 I sent credit plus a demand letter stating that they were in violation of the fair credit reporting act and they sent me back a letter stating that they got my information from another company without my authorization which is Fraud Pursuant To the fair credit reporting act. I have attached files supporting my claim 15 USC 1681B-permissible purpose of consumer report 15 USC 1681M ( f ) -Requirements on users of consumer reports 15 USC 1681N ( 1 ) ( B ) -Civil liability for willful noncompliance 15 USC 1692B ( 5 ) -Acquisition of location information 15 USC 1692C ( 3 ) -Communication and connection with debt collection 15 USC 1692J-Furnishing certain deceptive forms

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Recently, the bank changed their rules regarding the transfer of funds from a trust or representative payee account to personal accounts. I understand the reasoning behind this however, in my case, I am the representative payee, appointed by Social Security, for my son XXXX. Each month I transfer funds from the savings payee account to my personal checking account to pay for his expenses. Note : I am also a court appointed legal guardian. Due to the changes stated above, each month I have difficulties in transferring these funds by phone. Although, I am accommodated, it is extremely annoying and time consuming. I can not transfer funds at a branch because all branches in XXXX XXXX have been closed. Various options, such as using a debit card or go to a branch in another borough are not feasible. 
However, I do have a question. In addition to being the representative payee for XXXX I also maintain a checking supplemental trust account for his benefit. Since both accounts are for his benefit why cant I transfer the funds from the payee account to the trust account. 
All legal documentation is on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD. 

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
After receiving 100 's refinance proposal by mail I decided in XX/XX/XXXX to contact 3 lenders to have different propositions. My mortgage is with Mr Cooper ( 3rd loan officer in 2 years ). 
I had a 1st hard inquiry with the 1st lender and a 2 weeks period to " shop '' for the best conditions without impact on my credit score. However after looking at my report I can see another hard inquiry from another lender ... 
They all have the best conditions until moving forward when new fees starts to appear on the closing disclosures.. Part of the refinance process an Appraiser came onsite ( {$540.00} fee ) and filled a report, this appraiser was sent by the lender I selected to move forward. 

However after seeing the final closing costs I decided to stop the process. I purchase my home in XX/XX/XXXX for {$420000.00}, I did some improvements and the value of homes in XXXX especially in my area exploded since last year. The appraisal report value the home {$600000.00} so I contacted Mr Cooper and asked them the process to remove the PMI. 
I was told that it's not possible because the appraisal wasn't done with the appraisal company they work with and that I need to pay for a new report and because my loan is less than 5 years I need to have 25 % equity ( XXXX XXXX requirements ). 

I paid {$540.00} for an appraisal done by an appraiser licensed by the State of Florida but I need to pay for a new appraiser!!!! with their partner ... 

If that's the same type of partner than what they use on their website/app that makes more sense. Mr Cooper 's App displays 2 estimates XXXX and XXXX. But they only use the XXXX value to calculate the PMI and equity! 
XXXX  value my home {$440000.00}!!! Really?? XXXX {$590000.00} that's a big difference! I did a pool with spa, the lot is XXXX sqft, the home is front sold for $ XXXX last month but my home is value $ XXXX with their partner XXXX  ... Obviously I just XXXX XXXX and they are owned by Mr Cooper !!! So convenient!!! 

On top of that : - {$25.00} expedited fees for each loan payoff document x 3 = {$75.00} - {$20.00} Third party reconveyance preparation fee - $ 10 county fee etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I follow my credit report almost daily and the credit reporting agencies are not factoring in correct information to obtain my score and it keeps it low and substandard so I can not obtain reasonable interest rates because of their unfair reporting. 

I have an XXXX cold that gets paid off monthly and has no credit limit but my report shows XXXX  limit which directly and negatively affects my score because it appears as though my available credit is lower than what is truly available. 

They can not answer my question when asked and it was previously reported with a {$6000.00} available credit but per XXXX they are not supposed to report a limit for a GOLD card so when that changed my XXXX  listed it as a negative impact as if my " available limit had been lowered or closed " I can not get help from anyone with this issue and my credit score has literally dropped into subprime >. HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: WA

Complaint narrative:
On XX/XX/2021, I issued one of my contractors a check for the amount of {$4000.00} from my checking account ending XXXX. Within a few hours, I received a call from my contractor stating that Bank of America had refused to let him cash the account. 

Due to criticality of the contract, I personally went to the bank and asked the teller to let my contractor withdraw the funds. The bank staff told me that the amount was over the limit and that's why they were unable to release the funds. When I asked the branch manager what the limit was she stated " we are not allowed to tell you the limit but {$4000.00} is too much ''. The only option I was given was to personally receive the cash and hand it over to my contractor who was with me in the branch, which I agreed to. When the teller gave me the cash, she deducted {$8.00} from the total amount and handed it to me. When I asked the reason, she said because the recipient ( my contractor ) didn't have an account with Bank of America and hence the {$8.00} deduction. Finally, I re-wrote the check and cashed it myself. 

During the time I spent in the branch, the bank staff kept encouraging my contractor to open an account in order to avoid this situation in the future. Furthermore, the staff was unable to explain where the transaction limit is written on my check or been communicated to me by the bank and refused to reveal they arbitrary limit. 

I'm reaching out to you to request the bank for a clear explanation. I'm also send a copy of this complaint to the Senate Banking Committee as we have seen increased efforts by Bank of America to force people to open accounts with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureau is reporting inaccurate information on COMENITYBANK/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
I checked my credit and found out the credit card company closed my account because I dont have a real estate loan I rent and I am a woman on social security age .. this is the 2 one this bank has closed because of being 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 2021-09-03 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: FL

Complaint narrative:
I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. 

Attached to this complaint is a copy of the letters that I have sent to each bureau without response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. 

Attached to this complaint is a copy of the letters that I have sent to each bureau without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has cause major stress for me the last 30 days. I had ach transactions I e attempted to stop that they said would stop. They didnt, they went as far as having to close my account to try to get it to stop but yet it continued for almost a week. They finally got it to cease but instead of correcting the fees due to their error, they took the money for the fees from one of my other accounts. Didnt return my money. I had to fight tooth and nail to get those fees corrected because the system wouldnt allow them to go through. This was finally fixed after multiple calls due to their representatives dropping the ball.

Then, I had to dispute two items. Those of which were filed incorrectly. They gave me a temporary refund on the items, and because the items were filed incorrectly they later took those funds back out of my account. I was told it was because I didnt submit documentation l, but upon speaking to a representative, she and I both saw that no documentation was ever requested. So she then refilled it for me, but now Im out of that money too. Then I look today and theyve taken more money out of my account that I am now on the phone currently ( 45 min hold ) to find out what it is for. Im so sick of this bank. Im completely done!!! I wish I could sue the pants off them because there is no rhyme or reason for this especially when it all due to their own errors. Each and everytime. Im doing what I am supposed to as a consumer, yet Im getting the short end of the stick and they get to rob me blind with no notice whatsoever!!

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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX # XXXX is reporting a balance on my credit report. This account has already been paid and the balance should be updated to {$0.00}. This is a violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Financial Solutions of America Inc.
State: CA

Complaint narrative:
I went from making on time payments to my credit cards had a great credit score until I couldnt keep up and thought I enrolled in a debt consolidation that would help me pay off all my credit cards and I was paying a fraudulent debt consolidation call Financial Solutions of America a company that I was advised by a bank teller at XXXX XXXX XXXX in XXXX California now called XXXX XXXX, For 2 years I was making between $ XXXX {$500.00} a month payments. All started XXXX. I was contacted regularly through phone and email, I was advised to change banks, I went from XXXX to XXXX XXXX XXXX, I was also advised to stop paying my credit cards and ignore all letters and calls from creditors by the time I figured out I was being scammed I immediately told my bank and was reimbursed {$1000.00} back but they still managed to scam {$4000.00} from me leaving me with a bad report with the Credit bureau and now its affecting my ability to move forward with my future because my credit went down so low its been impossible to bring it up, Im hoping if I can prove I was scammed it may help my chances in recuperating my credit.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-03 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:
I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. Attached to this complaint is a copy of the letters that I have sent to each bureau without response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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:
I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. Attached to this complaint is a copy of the letters that I have sent to each bureau without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
transunion is reporting a name on my credit report which is not my name. My name is XXXX XXXX. 

Transunion is reporting XXXX XXXX on my credit report. i have requested the name to be deleted. The informed me over the phone it has been deleted but it is still on my consumer credit report. This is not my name and reporting it as my name can compromise my consumer credit profile. 
attached is my social security card copy of my credit report and proof of address the only name that should be reported on my credit report is 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 2021-09-03 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The XXXX Credit Bureau is reporting inaccurate information on COMENITY CAPITAL/HSN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation