vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXX I got several emails about credit card applications with Bank of America for reward cards for travel, and XXXX XXXXXXXX, University of Delaware XXXX XXXX XXXX XXXX card. I have attempted numerous times to call bank of america but the wait times are out of hand. I tried to make an appointment, but I don't have an account with them to use. I filed a police report with Sherriff 's Department in XXXX XXXX, MD where I live. Case # XXXX on XX/XX/XXXX with Deputy XXXX. I placed an initial Security Alert to my credit file with XXXX, XXXX and XXXX XXXX. I received a letter in the mail from bank of america stating my account ending in XXXX on XX/XX/XXXX claim number XXXX for amount of {$15000.00} and that they are working on my request. Today I received an email from bank of america to confirm my address. I tried to forward it to fraud @ bankofamerica but it wouldn't go through. 

I also received a letter from XXXX on XX/XX/XXXX that they have reviewed my account application and have decided not to open the account. I called XXXX I spoke to XXXX from XXXX XXXX XXXX, UT and she stated it was from the bank division since it didn't have a XXXX number for the credit side and transferred me but the wait is over 15 mins. I tried to use the messenger service on XXXX  website and they said I needed to call to talk to someone about it and gave me a number of XXXX and the wait time said over 10 mins and waited longer on hold with no one answering the phones. I have to work 12-16 hours a day and can't be on hold for long periods to wait to talk. I tried to schedule a time with Bank of America but I don't have a XXXX digit account number to give them so they won't schedule. Everything I have received from Bank of America the account number ends in XXXX and I don't recognize that number. I only have XXXX credit cards I use on a regular basis and I pay them off as I use them, but I do believe I may have had credit cards with these companies years ago but the accounts should be closed.

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 2022-07-20 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2022-07-20 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, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2022-07-20 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-20 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: LA

Complaint narrative:
Hello! 

I sent a letter to the credit bureau over a month and a half ago on XX/XX/22 requesting an investigation on my XXXX XXXX and XXXX XXXX XXXXXXXX accounts and have yet to recieve a response, mail or anything regarding these accounts in question. 

All I asked for was a validation of the debt ... a re-investigation! 

Please have them investigate these accounts or remove them from my credit report ASAP! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CENTRAL BANCOMPANY, INC
State: KS

Complaint narrative:
Opened a checking and savings account on XX/XX/22 with I promo code for a {$400.00} bonus for having XXXX direct deposits and a {$500.00} savings balance on the XXXX day. I completed the requirements and now theyre saying my payroll direct deposits dont qualify for the bonus.

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 2022-07-20 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-20 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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 Act, XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I requested a modification, and it was ignored. 
I requested another modification and I was told I was missing a document but was not told what document was missing. 
I did a third modification which was finally closed on XXXX XXXXXXXX XXXX. The modification took almost six months. I made the payments on the modification as stated, but I was not being credited for the payments on my statements. 
Just 5 months after I closed my modification I was informed that there was an extra {$71000.00} they forgot to include in the modification and now I had to pay it right away. My payments were returned to me. However, no one at the call center saw the same numbers and only accepted payments of the old amount. 
I do not understand how they all of a sudden the mortgage company, who determined the amount owed, found an extra {$71000.00} for me to pay. 
Why was my payment not being credited to my monthly amounts, and instead being credited to old amounts so it did not look like I was making payments? How could I be reported to the credit bureau when I was making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
Account Number - XXXX Caine and Weiner XXXX is in violation of multiple laws set by Congress under the FDCPA : 15 USC 1692 ( a ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 4 ), 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15 USC 1692c ( a ) ( 3 ), 15 USC 1692d ( 1 ), 15 USC 1692f ( 8 ), 15 USC 1692g ( b ) ; As the consumer I have a right to privacy and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a check for refinancing my car with XXXX XXXX drawn on a XXXX check. I did a mobile deposit with Chase and the check was put on hold for 7 business days. The check cleared but put my account in restriction. They stated the number for the company on the check was not valid and they could not verify the check. The company is a real business and print checks daily with no issue. I provided multiple numbers for them to validate the check and Chase refuses to validate and clear the check to my account. SO now I am without the funds and having to repay the finance company for the funds loaned from that refinance check. Check will not release the funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
This is the second complaint filed on this company and they still have not provided the information I sent in written request to them. After I filed the first complaint they blocked me from there companies main number and the ones they called me from and I still can not call the main 800 number and now they are calling me from a XXXX number before it was XXXX in California XXXX They are calling and when I answer hanging up to get me to call back and act as if I called them. I've sent in written request for them to provide me with the contract I had with the debt they say I owe and all they've sent was a half copy of a bill that looks to be photoshopped and is uneven on the paper. I filed the first complaint back in XXXX and have heard nothing from them until now and they are now harassing me with the hang up calls. They are now violating my rights as a consumer and this is getting out of hand

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: DISCOVER BANK
State: DE

Complaint narrative:
I disputed a charge with my bank after a seller guaranteed a refund after they received confirmation that the items were returned. I sent the company proof that the items were returned and the company stopped communicating with me. The company sent me an email on XX/XX/2022 requesting that I cancel the dispute with my bank before they issued the refund. I refused to do so. The company has not made contact with me since then. I filed a dispute with my bank for this and the bank stated that the company did not give a time frame of when the refund would be issued so they rejected the dispute. I have provided documents to the bank providing proof of the guarantee from the company along with delivery tracking information. The bank is refusing to reopen the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
Two bill payments sent from my XXXX account to BMWF have not posted as of today, XX/XX/XXXX. The payment amounts of {$100.00} and {$68.00} were scheduled to post today, XX/XX/XXXX, according to XXXX. Previously, a bill payment in amount of {$50.00} did post on time, delivered on XX/XX/XXXX, did not post until XX/XX/XXXX. I've spoken with BMWF rep, was advised there is an issue with bill payments posting, it does not appear the issue was fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2022-07-20 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, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2022-07-20 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Called Chase Auto on XXXX XX/XX/2022 in regards to them reporting a late payment on my credit report when in fact all of my payments have been on time. Customer service rep stated that there were two payments entered for XXXX, via 2 money orders and I was 36 days late on my XXXX payment. Customer service rep also stated that my XXXX payment was reversed. That is not true I have attached my XXXX  account information to show payment was sent on XX/XX/XXXX to Chase auto. And received. I also have added my statements to show there wasn't a reverse payment or money credited back to my account as there is never a reason why this would be happening. I have screenshotted all the evidence and payments. 

My credit has taken a hit due to this malfunction on chases side and it has affected my payment history. dropping my credit XXXX points on XXXX so far. 

I have recorded calls with customer service for todays call as well as last months call. I let them know that I was recording the call myself and will provide the evidence as needed

Company response to consumer: Closed with non-monetary relief