vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
Chapter XXXX Bankruptcy XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berman & Rabin, P.A.
State: SC

Complaint narrative:
My mother has XXXX, had a XXXX XXXX XXXX XXXX approach in the evening while she was by herself and sundowning and convince her to purchase security items for the house which were already in place under a previous XXXX contract. They did not furnish her with a contract or with any means of contacting the company later on. XXXX XXXX later refused to cancel the service. 

Berman and Rabin is attempting to collect {$2200.00} despite the paperwork they themselves sent to prove the debt stating that there is a balance due of {$1900.00} and my mother having paid {$1300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX/XXXX  XXXX  Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

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

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 2022-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I received alerts on my email that my there was a request for credit through several creditors one of which CAP1/menards  ( capital one ). I called on XX/XX/XXXX and attempted to speak with someone but their office was closed. I called again on XX/XX/XXXX and spoke with someone and advised them of the situation and they stated that letters would be sent the the credit bureaus to remove the inquiries and a fraud status would be placed on the application to have it removed and this proves can take up to 90day. I waited a few months and I saw that some inquiries were removed. As I was trying to apply for credit somewhere else I pulled an updated report and noticed this inquiry was still on all XXXX reports. I called XXXX on XX/XX/XXXX they confirmed they receive the letter and removed the inquiries I called XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX and they stated they never received it. and advised me the only way to get them removed the quickest was to request Capital one to send the letter requesting the removal. I called Capital One on XX/XX/XXXX and spoke with several agents who transferred me from one party to another given options that did not help me in this matter. They kept bringing up and giving the wrong information and then to be transferred to a supervisor I spent over 45 minutes on the phone and still haven't gotten it resolve through all the XXXX  and frustration I released the line because they were not trying to help me. 

the report I generated is from XX/XX/XXXX however XXXX and XXXX was able to tell me that the inquiries are still listed on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-05-25 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
An individual user made six purchases on a website called XXXX under the name XXXX XXXX on XX/XX/22, using my XXXX XXXX issued via Comenity Bank. Total amount charged was {$590.00}. I spoke with the credit card company who then flagged the purchases, closed out the card and issued me a new one. In addition, I went to my local police department, XXXX, Ma to report the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Bankruptcy XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, has violated my rights. XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Bankruptcy XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This is unknown, I have never been contacted or given any information. I do not owe any medical debt. This is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: NJ

Complaint narrative:
We have a HomeStyle Renovation Loan with Movement Mortgage. This product enables us to bundle home acquisition plus money to renovate the home with. As renovation work is completed, our General Contractor submits requests for payment, which are reviewed by the lender for completion, then money is dispersed to the GC. 

The nature of this payment schedule is already difficult for most contractors, as it means they need to use a line of credit to get work done by their sub-contractors, before finally being reimbursed by our lender ( Movement ). As expected, there is a service-level agreement that once a draw has been requested, the lender act within a reasonable amount of time to get the parties reimbursed. 

On XX/XX/2022 ( 37 days ago as of this complaint ), our General Contractor requested a draw for ~ {$62000.00} for work related to Electrical, Insulation, Drywall, and Flatwork ( Concrete ). This represents the work of 4 different sub-contractors plus the efforts of the General Contractor themselves. 

Since the draw was requested, we've yet to be reimbursed. We have continually been promised action from our Renovation Draw Specialist, XXXX XXXX, to no effect. 

The Draw Specialist also does not seem to understand how to manage our level of renovation project. It is very clear on the draw request what work needed to be reviewed ( Electrical, Insulation, Concrete, Drywall ) -- yet the Renovation Specialist from Movement wanted the Appraisers to check for the presence of working utilities ( Water, Electrical, Gas ) in order to complete the assessment. XXXX XXXX XXXX will not connect a Gas line to the home until major gas appliances are installed ( furnace, hot water heater, range ) which is a one of the very last steps ( if not the last ) when completing a build. An assessment for utilities is not congruent with the Draw Request, nor would we pass it at this juncture. 

We've requested updates, or an understanding when things will be done, and continually are told that we will be contacted by the appraisal company for scheduling, which never happens. 

Our last email, sent two days ago to our Renovation Draw specialist at Movement Mortgage, went unanswered. 

In the state of Pennsylvania, a contractor may file a Lien against the property for non-payment, and in no specific terms we've been told by our GC that we're up against it for this action. 

Our General Contractor also can no longer use their sub-contractors for work outside of our project because of non-payment on ours, and their lines of credit accrue interest from our project. 

This issue with the lender is causing us personal hardship. We now have a challenging relationship with our General Contractor, our renovation project is held up every day that we aren't able to pay our workers, we pay for a longer period of Builder 's Risk insurance, we are facing the risk of our home having a lien placed against it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I made two separate purchases on XXXX ( through XXXX ) using my Bank of America ( BofA ) credit card. These transactions were in the amounts of {$530.00} and {$920.00}, respectively, as shown in the attached statement document from XX/XX/XXXX. 

Both of these purchases turned out to be fraudulent listings, as the sellers never shipped the items. On XX/XX/XXXX, I attempted to reach XXXX representatives to get a refund but was unsuccessful in speaking to a human being. As a result, I filed a chargeback claim for each transaction with BofA. 

On XX/XX/XXXX, I was able to speak to an XXXX representative and they agreed to refund both purchases. As a result, I called BofA, spoke to a representative, and had them cancel both claims. The XXXX refunds both posted to my account on XX/XX/XXXX, as shown in the attached screenshot. 

However, on XX/XX/XXXX, BofA posted two fees to my account under the name XXXX XXXX ( XXXX XXXX ), each in the amount of one of the original XXXX transactions, for a total of {$1400.00}. This is shown in the attached activity screenshot. Effectively, I was re-charged the amounts of the two original transactions by BofA. 

On two separate occasions, XX/XX/XXXX and XX/XX/XXXX, I called BofA and spoke to a representative. In each case, I was informed that the balance adjustments were incorrect and that I should see two credits posted to my account, one in each transaction amount, within the next two business days. In each case, this did not happen. 

I do not believe that BofA representatives are able to resolve this issue, as it is likely caused by a bug in their chargeback system. Each representative informed me that there should have been two credits to my account, one for each claim, in the amount of the original transaction. Then, the balance adjustments should have cancelled out those credit when I cancelled the disputes. However, as shown in the attached documents, I never received the credits in the first place. So, in effect, I was charged a total of {$1400.00} by BofA in exchange for no goods or 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 monetary relief
Consumer complaint received 2022-05-25 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: TN

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

15 US C 1681 Section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have disputed this account several times and have received nothing and didn't even know this was on my credit file until I seen it. I do not know nor ever went to this company or did business. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
I was in forbearance for 18 months. I want to start making mortgage payments as I am now working. 
I called the company and was told I had 3 option 1. Pay the full past due amount 2. Pay a little more on my mortgage every month for the duration of the loan 3 .lastly move the past due to the end of the loan and then add 18 months Problem is this hot changed and Im now for e to agreed to their new plan 1. Pay the past due in full 3 or pay {$200.00} more on my mortgage every month but then they adding more interest on the past due amount that already includes interest and on top of that they added XXXX more pAyment of the new amount and Im told take it or we foreclose your home. They are not willing to negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AR

Complaint narrative:
I am uploading a shortened copy of my last letter of complaint to the Office of Federal Student Aid for the U.S. Department of Education on XX/XX/XXXX -- in order to get it uploaded within the 10MB size limitations. However, all the required documentation should be present for evaluation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: GA

Complaint narrative:
I disputed the bankruptcy case number XXXX and they verified it with XXXX. The problem is it has been deleted from XXXX XXXX  since XX/XX/2021 as you will see in the document I upload. I am tired of the games TransUnion plays and also the cfpb not wanting to help. I have tried not to take legal action, but if this is not corrected I will be forced to take legal action on you both for not doing your job. All they do is send automated responses, they never even verify anything. So please one of you do your job so I can get this removed. I am not in this for the money I rather have this removed since they clearly lied about who they verified it with. The lady on the phone even gave me the number to XXXX XXXX  and guess what? They do not have it on file!!!!!

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 2022-05-25 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-05-25 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Account charged off. {$2500.00} written off. {$3400.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$3900.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Collection account. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX 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