vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been scammed by a person who said they were the owner of the property that I was going to be renting as my primary residence. They used the owners identity and information to scam me out of deposit and 1st month rent total of {$3200.00}. They said I needed to send money to secure home. I sent money via BMO Harris bank XXXX app through my account. I went to meet said person for the keys on moving day to find out I had been scammed and the money I send to the finance manager was a fraud. I filed police report and filed dispute claim with BMO harris like I was told. The bank did not even wait to receive my written claim with all my evidence along with the police report number since I pressed charges. They denied my claim saying they dont deal with authorized push payments even though I had clearly been scammed and the money I thought was going to the real owner was to a fraud. 
The dates I was instructed by fake XXXX XXXX to sent money were as follows to XXXX XXXX ( financial manger ) XX/XX/22 {$100.00} application fee {$1500.00} deposit fee XX/XX/22 to move in early XX/XX/22 due to work schedule I was told to pay {$1300.00} 1st month rent {$150.00} dog fee The fake XXXX XXXX was in contact with me the whole time and said the previous tenants couldn't get out by the XXXX but I could meet him at XXXX on XX/XX/22 to get keys. We were in contact until that morning when I went to move in and found out it was a scam. I filed police report with XXXX XXXX that morning number : XXXX. I called bank right after and filed claim. I had did a been verified check on XXXX XXXX before I filled out application on XX/XX/22 to make sure I was in contact with the real owner. Unfortunately that was not enough to prevent this fraud from happening. I used my savings to secure this property and now have no means to secure a another place to rent.

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 2022-12-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: TN

Complaint narrative:
This school is trying to say I owe XXXX dollars I knew nothing of nor had any communication about before placing on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
Equifax, XXXX and XXXX is showing that this account is 60 days late I have a document from XXXX on this account showing that this account is closed and paid as agreed with no late payments. 

The sent me a payment history showing positive payemts please have them remove this immediately because it is damaging my name and my credit. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian and XXXX is showing that this account is 60 days late I have a document from XXXX on this account showing that this account is closed and paid as agreed with no late payments. 

The sent me a payment history showing positive payemts please have them remove this immediately because it is damaging my name and my credit. 

Thank you 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 2022-12-07 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: CA

Complaint narrative:
I discovered my info was breached in the XXXX XXXX and XXXX Data Breaches and was given settlement. I have written, disputed on line and on the phone to clear up the erroneous accounts. 
Addresses and accounts that have disputed have come back saying they wont look into my file. How can you verify and say evrything is correct when I dont live at those addresses and my names are wrong. 
I have sent my FTC ID Theft AFFIDAVIT along with XXXX Settlement, XXXX said to contact Bureaus and will be notified of litigations Please remove these erroneous accounts and give me my peace of mind back.

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 2022-12-07 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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-07 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

The information displayed in my credit report is inaccurate, therefore it must be deleted per the FCRA. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

*Please note that the bureaus did not reply to my dispute letter.

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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCOUNT IS CLOSED AND STILL SHOWING OPEN WITH LATE PAYMENT SHOULD BE SHOWING CLOSED AND NO LATE PAYMENTS

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 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited a check ( {$4900.00} ) from XXXX XXXXXXXX XXXX XXXXXXXX from my new employer XXXX XXXXXXXX to be used to set up my home office to my checking account at Chase on Friday XX/XX/2022. Chase put a hold on the deposit until XXXX but actually released the funds to me on XXXX. With the funds available I sent out payments to 3 vendors in support of my office set up. On XXXX Chase reversed the deposit and stated the check was no good. When I contacted them to understand why the check funds were released early ( I did not ask for the funds to be expedited ) they did not give me an answer but did state that becasue the check was no good, I was responsible for the {$4900.00}. They stated I would have to contact the issuer of the check to resolve. 
Had they not released the funds, I would not have begun the vendor payment process. I would have also been able to stop the fraud that has occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
my complaint is against citizens bank. I lost my debit card on XX/XX/2022. Someone picked it up and used the card and overdrew my account signifigantly. The charges are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citizens overdraft fee- {$140.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Citizens overdraft fee- {$170.00} ( XXXX charges at {$35.00} each ) My paryoll check was direct deposited- {$900.00}, citizens bank took my full check XX/XX/2022 Citizens overdraft fee- {$30.00} XX/XX/2022 Citizens overdraft fee- XXXX Claim credit- XXXX XXXX XXXX XXXX XXXX My payroll check for {$900.00} was direct deposited, of which Citizens bank took {$220.00} of, which put my account at even. They then charged me 2 more fees Citizens overdraft fee- {$35.00} Citizens sustained overdraft fee- {$30.00}. 

In total, {$1100.00} was charged to my account after my card was lost. I went to the bank, shut the card off and filed a claim. Eventually they came to a decision that i made the charges and did not reimburse me. I spoke to the bank manager of the Citizens branch in XXXX, XXXX who was extremely rude and condescending to me. I was polite and professional, and after speaking to her I said I would like to close my account, to which she replied " Gladly! ". I filed a police report after that encounter at the bank. I have a police report that indicates it was not me who had used my debit card on these dates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2022, I provided Alliant with the correct routing and account number to perform a transfer from my XXXX checking account to an Alliant Savings account. It was for {$200.00}. On XX/XX/2022, I received notice from this business claiming the transaction was reversed due to invalid account information. I did NOT provide invalid information. I have had this XXXX account for 30 years! I never entered a wrong routing or account number. I have used this account from XXXX numerous times over 30 years to pay bills online and do account money transfers. Obviously, this is a processing glitch on the part of Alliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to my privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: GA

Complaint narrative:
My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX act # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  And others see attach

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 2022-12-07 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: GA

Complaint narrative:
My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX And others see attach

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 2022-12-07 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2022-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Tactical Mortgage LLC
State: NC

Complaint narrative:
I started my home process With Tactical Mortgage. 
I was approved for XXXX My was for a 30 year Fixed FHA Loan I was advised to put down {$10000.00} Due Diligence fee. 
Up until underwriting I wasn't told I needed anything to put down towards closing. 
I kept asking and was advise that they are still running numbers to give me an amount. 
Two weeks before Closing I was advised that I needed another XXXX for closing. 
I responded and ask why and that I'm confused on why I have to put down so much more at such a short time frame. Then was advised that XXXX is durable and can work something out I also advised it was impossible and the agent ask if I could at least come up with XXXX. I said I can try. I manage to come up with XXXX the week of closing. 
To find out that they terminated my contract and I loose my house and XXXX I put down. After speaking with other loan companies. I was advised that with my income alone I should have never gotten approved for the amount of the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX These are unauthorized Hard Inquiries that are currently listed on my credit report. 
These Inquiries need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: AL

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. 
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. 

Account name : DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : XXXX XXXX # XXXX, Account name : The bank of XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name 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 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., Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 2022-12-07 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: GA

Complaint narrative:
On XX/XX/2022, I noticed errors on my credit report regarding two accounts XXXX XXXX and XXXX XXXX XXXX. These two accounts were settled at a negotiated amount agreed by the creditors. Payments were submitted as per their schedule and I have proof of payments made to both creditors. Unfortunately I was not happy with the balance still showing on these two accounts so I submitted the dispute to all 3 credit bureaus. Results came back and " account information was verified '' without making the balance corrections. 
Not pleased on XX/XX/XXXX and XX/XX/XXXX of XXXX I re submitted disputes and results came back with the same " account information was verified '' Please help me correct this errors, there should be no balance reflected on this accounts since they were paid/settled. There are no remarks that the accounts were settled for less than the full balance.

Company response to consumer: Closed with explanation