vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-13 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: TX

Complaint narrative:
On XX/XX/2022 I contacted Transunion about some inaccurate accounts on my credit report. they verified these accounts through automatic verification which I did not consent to. XXXX found these same accounts not mine and removed them but Transunion has yet to do so. They have violated my rights and these accounts should be removed immediately.

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 2022-09-13 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: NY

Complaint narrative:
I did not consent to, authorize nor benefit to any of the following inquiries. I want them blocked and removed. 
XXXX. XXXX XXXX XXXX XXXX ) XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX  ) XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX ( XXXX ) XX/XX/2022 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 2022-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Somebody tried to open a checking account on XX/XX/2022 at XXXX in my name. I notified the company to stop the account from being opened. they used my ss # and email address. the company withdrew its application from account being open.. I asked the company for information regarding who open the account. they refused to give me any information.

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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Ghidotti | Berger LLP
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX, XXXX California XXXX XXXX XXXX ( XXXX ) XXXX filed for collection of XXXX XXXX under identity theft in XX/XX/XXXX and there was collection of over XXXX of fraudulent lien filed against my property in XX/XX/XXXX by Ghidotti and Berger on behalf of fraud. 

I filed further complaints and showed CFBP filed action against XXXX XXXX for conspiracy to fraud unsuspecting victims with identity theft fraud loan schemes. 

On XX/XX/XXXX the CFPB filed action, orders and enforcement with injunctions against XXXX XXXX  and XXXX XXXX and Ghidotti and Berger law firms have obstructed justice by ignoring orders under racketeering and organized financial crimes after the fact and as accessory to XXXX XXXX facilitation of fraud, with stipulated agreements to refrain from any collecting from victims of fictitious loan scheme. 

I reported back to CFPB and the company denied they were correct company to contact in fraudulent misrepresentations after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
ALLIED COLLECTION SERV Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number ( XXXX ) XXXX This company has never notified me of any debt owed. I have never had any communication with this company by any method. If I didnt check my credit report I would have never known about this. Also it appears that this company has been adding to this debt $ XXXX every XXXX weeks to my report only.

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 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I sent money to the wrong account from My Bank of America account to an account in XXXXXXXX XXXX XXXX XXXX. I contacted Bank of America within 2 days and found out that the account number was wrong and asked the representative to cancel the transaction. I asked multiple times and she said it will be canceled. 
I sent another transaction to the right account number and it went through. I found out the next week that my first transaction went through. 
I called XXXX XXXX XXXX  XXXX immediately and found out that the account belongs to transferwise. I contacted them and they emailed me back stating unless XXXX Bank contacts them they can not help from their end. 
I have asked Bank of America to get in touch with them, and XXXX Bank did not respond. I called them and a representative told me that they need to email them. I shared this with BofA and they stated they emailed them and had not gotten a response. I emailed them last week and still have not gotten any response. 
How can they keep this money when it clearly was not theirs to keep? 
I have exhausted all options at this point and want my money back in the amount of {$3200.00}. 
I have been on the phone with Bank of America for at-least XXXX times with an average of XXXX hour wait time. 
I am appalled that the transaction went through even though the account did not belong to the receiver and clearly the name was wrong on the account.

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 2022-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: CA

Complaint narrative:
I have suffered a horrible experience. 
XXXX. I had to sign for title twice XXXX. The delay resulted in a higher rate XXXX. I still do not have access to my funds XXXX. I paid exorbitant and predatory fees for a prime loan XXXX. Poor response times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
To all parties concerned at the CFPB, FTC, and office of XXXX Attorney General XXXX XXXX, On XX/XX/2022 at XXXX I arrived for an appointment to extend my credit in good faith to XXXX BMW XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX New York XXXX XXXX for a BMW XXXX XXXX where I was assisted by client advisor XXXX XXXX XXXX 

Initially she was very helpful but grew increasingly impatient, dismissive, and unresponsive as I continued to ask questions so I can fully understand the process. Her lack of attentiveness compromised my ability to make a well informed decision as she began to handle business unrelated to this consumer credit transaction. Talking on her phone, texting, and using the computer only to walk away returning after XXXX mins to photo copy my license and walk off again. At or about XXXX I was approached and escorted out by sales manager XXXX XXXX XXXX He handed me a decline notification and said there is nothing he can do, not even request reconsideration or a counter offer on my behalf. That is in fact a violation of 15 USC 1611. 

As a consumer I dont understand how or why I was denied an extension of my own credit after my card ending in XXXX was processed initiating the transaction. The justification of BMW Group Financial Services adverse action feels like Im not only being discriminated against but my right to privacy is being violated. 

I was forced to leave ( after my credit card was used that I received no benefit from ) XXXX XXXX XXXX XXXX XXXX XXXX Such ignominy actually made me cry while walking away making me feel weak and taken advantage of. 

Much of what I experienced on this day are various violations punishable by law pursuant to United States Code title 15 chapter 41. 

As a qualified applicant and valued consumer in good faith thank you for allowing me to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission. 

According to the Fair Credit Reporting Act, you have the right to report any mistakes to the agency that supplied the report that contains the false information, and that agency is required to look into the mistake. Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws. Should you continue to attempt to collect this debt without validation, I have the right to sue you in small claims court and subject you to a fine of {$1000.00} per violation, as well as my attorney fees and court costs as damages. 

In addition, I would like to remind you that you are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. 


I have requested a dispute with all XXXX bureaus and their response was Account information was disputed by the consumer, and meets FCRA requirements. On another note this is not my account it belongs to someone else so now this goes into a HIPPA situation correct? Incorrect personal identifying information this is when the name and address given to a creditor belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX of this year I saw an ad on XXXX XXXX that ad is no longer available so I'm not able to do a screenshot of it I came across an individual that had a property for rent it was the right price I was trying to help my daughter get a new home in this process we did money transfers through Wells Fargo app that has XXXX to the individual or I should say individuals working together we made XXXX transactions before we realize there was a scam in this process we went back to the house we said oh we love this house it's beautiful let 's get the paperwork going so we did the application fees then we did a deposit luckily XXXX I was able to stop XXXX of the transactions because it was a larger amount and XXXX of the walkthroughs afterwards we saw some paperwork that was kind of hidden to the side and it said that who was claiming to be our landlord was not our landlord that this house was actually a rental property so I had my daughter call and then we received a call back stating that this property is not owned by anybody but the rental agency they came out afterwards and changed the locks I have a bunch of screenshots of the conversation between myself and the individuals as soon as I realize it was a scam I immediately notified my bank to file fraudulent charges and scam alerts on XX/XX/XXXX I received a letter in the mail from the bank stating that they are going to side with the frauds and let them keep the money so I am now taking the next step I am XXXX my daughter is XXXX and I have a joint account with XXXX of my grandchildren for someone that's on XXXX this is a lot of money for us. I am going to send you everything that I have that I have screenshotted downloaded My name is XXXX XXXX you can reach me at 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 2022-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was approved for a loan above what I could afford or even the actual value of my home, by neighborhood loans, which was sold to us bank. At the time I was working part time making XXXX an hour. I got approved for a loan for {$88000.00}. I have been trying to sell the home for months in order to break even but no one is willing to purchase. At the time the under writer mentioned that the appraiser didnt even compare homes in the area but went outside my district. Also I was told by the broker that I didnt need to get someone ' to inspect the home because it was a condo. I feel like it was extremely predatory of them to try to just close the deal without my best interest, especially as a first time buyer.

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 2022-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: LA

Complaint narrative:
collection agency Capital accounts which is a debt collection agency was paid the debt received a receipt of which I paid the amount owed but will not report that debt was paid to XXXX, or XXXX need them to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13 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: NY

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. I want them blocked and removed. 
1. Experian Business Credit XX/XX/2022 2. XXXX XX/XX/2022 3. XXXX XXXX XXXX XXXX XX/XX/2022 4. XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2022-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
An entry on my credit report is complete fraud. Ihave complained previously to no avail. The entry from Allied Collections for {$1100.00} is incorrect. 

The business XXXX XXXX at XXXX XXXX reported I owe a balance of {$870.00} and I do not. XXXX XXXX is a hotel / residence where like every other hotel you pre-pay. You want to stay from Monday to Wednesday, you pay for those dates, if you would like to stay longer you pay before, not after. 

Allied Collections states the account was opened on XX/XX/XXXX, and the " satus '' update was XXXX of XXXX, the same month the account was opened. How can that be? 
Additionally, I have enclosed/ attached an email from my apartment management company which shows I resided there from XX/XX/XXXX Until XX/XX/XXXX. 

They have re-aged this debt. I never stayed past the time I prepayed. I owed XXXX balance and they keep reposting this information to my credit report.

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 2022-09-13 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: MD

Complaint narrative:
n 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

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 2022-09-14 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: MD

Complaint narrative:
n 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-14 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: NY

Complaint narrative:
I did not consent to, authorize nor benefit to any of the following inquiries. I want them blocked and removed. 
1. XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: RI

Complaint narrative:
Im in school and Im not able to afford the payment and they reported to XXXX and credit score and report was listed as delinquent which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I would like to draw your attention to XXXX XX/XX/XXXX and XXXX XX/XX/XXXX- I sent my complaint letter to Binance, in which I clearly stated how the scam has affected me personally, psychologically, and financially. I received no response after sending dispute letter, rebuttal letter and follow-up letter. 
Commencing on or around XX/XX/XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), It should be noted that one of the companies, happens to be a client of Binance, and owner of wallet : XXXX XXXX Money was transferred from my XXXX  wallet in the amount equivalent to XXXX ETH at the instructions of the scammers utilizing Binance services and authorization. In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity. 
Binance could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client was an active participant in the movement of my money, which eventually ended up with the Company, Binance has not exercised its duties to identify this suspicious scheme in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting wrong credit score to me! 
They don't update credit scores every month and fail to report payments on time as well! 
I contacted XXXX XXXXXXXX XXXX many times to fix this error but each time they said they will and never did! 
They show a credit score of XXXX where Experian who provides them with credit score shows XXXX! 
I contacted Experian and they said to me XXXX XXXXXXXX XXXX  has not updated my credit score since XXXX of XXXX! 
How does XXXX XXXX XXXX manage to report false credit score on my mobile app!! 
They are not fixing this!

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