vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2022 I received several calls on my caller ID cell phone from Bank of America I was on the phone with the vet and could not answer when I called back after sitting on hold for 20 minutes they called back in so I answered I was asked if I was trying to send {$3400.00} to a XXXX XXXX in North Carolina XXXX XXXX. I said no. I also got a text about the same thing and again replied no. The gentleman adapt time proceeded to tell me my information from the bank as in he knew my address exactly how much money was in the account my phone number to verify it was me and they called on the Bank of America line. He assisted me through adding my phone number back onto my XXXX account as it was taken off. At that point he said the money should be back into my account within 24 hours because it was caught early or 10 days that he was from the fraud department. The next morning the money was not in the account therefore I called Bank of America finding out that this was actually a scam I explained that he use their phone number and walked me through step-by-step how to add my number back onto XXXX. As soon as I had hung up the phone with him I received yet another text message stating that I had sent {$3400.00} to XXXX XXXX. Which I did not do I called Bank of America to the freight fraud department they said they were working on it that was Wednesday Monday call Bank of America yet again XXXX spoke with XXXX XXXX location he called spoke with a XXXX claims so that they had 10 days if they could even get it back.on Thursday XXXX XXXX PM spoke with a XXXX out of Texas she finally gave me a claim number which I had not had up until this point. She told me it was being expedited I told her I had not still received any correlation through XXXX or Bank of America in regards to this matter. She told me to contact the IC3 and put in a claim. I did so. On Monday XXXX call Bank of America still no update at that point they told me it would be 10 to 45 days I explained that I have bills to take care of I also take care of a handicapped sister. And if shes not taken care of I could be in trouble with the law and she said she was sorry called yet again Wednesday XXXX explaining how I had already contacted you guys or were in the process of Im sorry along with the FDIC and the media and that I still got no response from anybody I had to borrow money from a XXXX XXXX so that I could buy groceries I have now been told that I have to for 24 to 48 hours to them decide if theyll even give me emergency funds and this was after I spoke with a manager XXXX the girl XXXX had sent me to yet again out of Texas. She did say that I still may not get the money back. Please help. This is all through Bank of America in 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 monetary relief
Consumer complaint received 2022-06-15 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: CA

Complaint narrative:
TransUnion LLC and XXXX listed a charged off account from XXXX XXXX on my credit report the end of last year, XXXX. I disputed the information and asked for them to send proof that I indeed did own the account. They couldn't provide me with the information therefore they deleted it from my account in XXXX of XXXX due to no findings or proof. Then, in XX/XX/XXXX the account reappeared back onto my credit report and when I filed a dispute now they're saying the account is valid but sent no proof of showing their findings, just that it's valid. The inconsistency of their reporting shows how it can not be trusted. I ask that Transunion and XXXX delete the XXXX XXXX charge off from my account immediately if they can not provide me with a contract or proof that I own 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 non-monetary relief
Consumer complaint received 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 2022-06-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 2022-06-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
XX/XX/2022 I requested an installment loan from Lendumo. Over the phone a loan agent, seemingly trying to move through the process quickly told me the loan would be funded the next business day. He took my banking information and personal details over the phone. On the next business day I didn't see the funds and called to find out what the issue was. 

The new agent told me the bank account on file was incorrect ( there was one full digit in there that was off ). This was surprising to me as the agent on the phone from XX/XX/XXXX hadn't bothered to confirm or repeat the banking account number to me. Since I was reading off of my online account, I'm sure I told him the correct numbers but he entered one extra digit. 

I was told that Lendumo would reach out to my bank to have the funds sent back to them, at which point I could update my banking information and received the funds. 

I checked back frequently and was told I'd have to wait until they were able to complete their investigation. After a few days of no communication I called and was told they couldn't get anything done because they weren't able to find my bank 's fax number. I googled it ( using the internet ) and sent it to them immediately. After a few more days of no communication I contacted them again and was told that the investigation was being investigated by their QA team and would take some more time. 

On XX/XX/XXXX I received another message asking me for a bank statement as proof that I had not received the funds. I had sent my bank statement to them already on XX/XX/XXXX as requested but for some reason they needed to see it again, not sure why. 

Later on XX/XX/XXXX I received this message from Lendumo : " This email is being provided as a service through our recent discussions about your account. Unfortunately, the retrieval of the missing funds has been unsuccessful. A submission for call review of the Verification call on XX/XX/2022 was submitted to our Quality Assurance Team. Upon further review of that call, our Quality Assurance Team confirmed that the bank account that is on file is the same bank account number that was verified by XXXX XXXX. Unfortunately, at this time we will need you to provide an official bank statement ( not a screenshot ) from your bank from the dates of XX/XX/2022 to current. Until we receive this information we are unable to transfer your loan to the correct department. Please contact us once you are able to provide us with the requested documentation, so we may further assist you. '' It's never a good idea to take out an expensive installment loan but I was in desperate need and now because I didn't receive any funds the situation is even worse and I'm being told I'll be responsible for the loan I never received. Ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act- XXXX XXXX  XXXX, Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Since acquiring a Bank of the West Cash Back Credit Card, I've tried to use Bank of the West 's Mobile App and their Online Site directly to pay off my credit card balance ( newly acquired ). However, each attempt gets " timed out '' and its clearly not an issue related to my internet. Thank you for your help in resolving this issue.

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 2022-06-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-06-15 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TEXAS XXXX  
                                                    TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XXXX                                                  TO WHOM IT MAY CONCERN.
THIS ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, DELETE THE LISTED ACCOUNT(S) IMMEDIATELY FROM MY CONSUMER REPORTS.

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

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 2022-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have got a consumer credit at XXXX XXXX on XX/XX/XXXX for purchasing a dishwasher and received my credit card from Citi affiliated with XXXX XXXX. The deal includes 0 % interest rate if the credit is paid within 6 months ( expires on the end of XX/XX/XXXX ). 
Almost every month when I attempt to make the credit payment I can not access my account- my credentials stop working and account is getting blocked. I'm using a password XXXX software, so there's no way I could make mistake when entering my credentials. Every time I spend an hour with XXXX XXXX customer service in order to get my account access back which they fail to do and they end up deleting my account and creating it from the scratch. Every time I reported to customer service that this is repeating issue and they failed to fix it. Today XX/XX/XXXX and I'm attempting to make my last payment and again I can not access my account and have to spend an hour again in order to get access back and make the payment. Considering the repeating nature of the issue and failure to fix it, it definitely looks that Home Depot credit department is doing this on purpose in order to trick customers into late payments and paying interest. This negligence from XXXX XXXX side looks to me like a fraudulent activity, which I would like to report. 
Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
I have disputed this debt with another debt collections company and it was sold to a new company. This reporting on my credit report is violation of HIPPA and I never gave XXXX XXXX  my SSN or any of my personal information. They need to validate this debt and show me where I signed an agreement. Per the FCRA and HIPPA this needs to be removed. 

The debt collectors has also contacted me and I am on the the Do No Call registry. This is a violation of the TCPA and I will be charging them {$1500.00} for the violation. They can apply this amount to the debt and issue out any remaining balance to me. If they choose not to award me any funds I will file suit in court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( XX/XX/2021 ), 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 2022-06-15 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( XX/XX/2021 ), 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 2022-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
CEASE AND DESIST XXXX 's closed my open ended consumer line of credit on XX/XX/2022. This is considered aggravated adverse action and identity theft according to 15 USC 1691 ( d ) ( 6 ) and 18 USC 1028a. XXXX 's did not have my authorization to close my credit card, that was extension of my social security number 15 USC 1602L. I will be filing complaints to the FTC and reporting this fraud. 
I verify myself through the cfpb and let them know further communication will be sent through the cfpb and your reason or purpose of complaint is because youre being denied your consumer file pursuant to 15 usc 1681g.

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 2022-06-15 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: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 622 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. 

THANK YOU FOR TIME INVESTIGATING THIS MATTER

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 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX there was an unauthorized transaction on my account for {$3700.00}. I reached out to Chase to dispute the transaction since it was not authorized. It seems that since it was done through XXXX, they denied my claim and never refunded my money. I went ahead and started the process of closing my account this morning at a Chase branch office. They told me to go on social media to fight the denial of this claim. I'll go ahead and do that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Citicards CBNA refuse to remove an account that was fraudulently added by my previous supervisor. I have disputed the account 3 times within the past 8 months, and they will not talk to anyone who doesn't have the account in their name. This is fraudulent and since they will not communicate with me as I'm considered an authorizer user, I'm out of options.

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 2022-06-15 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( XX/XX/2021 ), 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