vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: HW Holding, Inc
State: PA

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 U.S.C 1681 XXXX XXXX XXXX XXXXXXXX XXXX Credit report HUNTER WARFIELD , INC XXXX XXXX XXXX XXXX XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX account to Bank of America at the instructions of the scammers. 
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.

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 2023-04-26 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: PA

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTRACT CALLERS, I XXXX XXXX Credit report transunion credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-04-26 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX. I have a hard inquiry on my Transunion credit report. : XXXX XXXX  Which is incorrect it was introduce to me as a Soft Inquiry and would not show up on my Transunion credit report XXXX And need to be deleted.

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 2023-04-26 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: A & O Recovery Solutions, LLC
State: PA

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 U.S.C 1681 XXXX XXXX, XXXX XXXXXXXX XXXX Credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Untimely response
Consumer complaint received 2023-04-26 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: Sequium Asset Solutions, LLC
State: PA

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 U.S.C 1681 CONTRACT CALLERS, I XXXX XXXX Credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: PA

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 U.S.C 1681 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTRACT CALLERS, I XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CONTRACT CALLERS INC
State: PA

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTRACT CALLERS, I XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
After receiving a call from a company called Phoenix Financial Services stating that I owed their company {$980.00}. I asked the company to verify the debt. They sent me documents that could have easily been made up on a word document. They sent me on XX/XX/2023 verification documents which did not include any signed contracts or any detailed information about the services provided. I have never done business with Phoenix Financial Services or with their client XXXX XXXX XXXX. If I had medical work done why don't they have medical records to proof the debt. This collection company never sent me an initial demand letter. Further they have not proven within 30 days of my demand for verification that the debt is owed by me. One paper says original creditor is XXXX XXXX XXXX XXXX XXXX but then all verification comes from XXXX XXXX XXXX. How does Phoenix Financial Services have the right to to collect this for XXXX XXXX XXXX when XXXX XXXX XXXX XXXX XXXX is said original creditor. XXXX XXXX is not licensed in California to be a debt collector and do not have an active license with XXXX. This is no my debt I at no time was ever seen by of these corporations and I would like to see signed HIPPA releases from me allowing any potential medical records to be allowed to be shared with these third party by XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: MS

Complaint narrative:
My Discover Card that was opened in XXXX  is not being reported to XXXX and hasn't been reporting for nearly 2 years which has caused damage to my credit score over the past 20 months. I have reached out to both Discover and XXXX to remedy the matter but of to no avail. Their negligence is causing me to suffer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX willfully reported to the credit union that applied for that {$730.00} in overdraft fees that was initially in error by an old account by XXXX  XXXX bank back in XX/XX/2018 for a closed bank account. Upon contacting XXXX  XXXX back they said that amount was an error and that the correct amount is {$370.00}. ChexSystem acknowledges that they received the amended notice of amount owed of {$360.00}. Not {$730.00} but the will not change it to {$360.00} unless I pay the full balance to {$0.00} eventhough I told them I dont owe them a dime. My due process rights to correct amount credit report is being violated. The lenders I applied to said that if the amount was lowered to the correct amount they will waive the restriction due to the age of almost 5 years reporting but CHEXSYSTEMS is illegally still reporting incorrect amount

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 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
Dear Madam/Sir, CFPB : This important matter is in regards to a letter dated XXXX, XXXX XXXX, from a debt collector company. They Want me to pay the amount of : {$40.00}. I asked them on a telephone conversation on : XX/XX/2023 when I spoke with a Lady that refused to give me her name. I Wanted to Dispute the debt because I wanted them to send me the name and address of the original creditor and/or Hospital. However when I Checked my records I told the unknown Lady from the debt collection company that my Insurance company, MEDICARE had paid the amount of the debt and that I did not owe anything to the debt collector and/or the original creditor and/or Hospital. I respectfully request from the debt collector not to, HARRAS ME OR THRETEN ME ANY MORE. And not to call me any more, and NOT TO CONTACT ME NO MORE. If they have any more questions they can contact my LAWYERS. Thank you very much for your assistance in this important matter. Respectfully yours. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Earlier in XXXX Experian lowered my score XXXX points from XXXX to XXXX on the same day that an old credit card of my parents appeared on my report. I used to be an authorized user but that has not been the case for two or three years now. NOTHING else happened to change my credit score and it did not change the other two credit bureaus. I went through the Experian dispute process and they agreed and removed my parents old XXXX  XXXX card. But instead of giving me back the XXXX points that they took when they put the card on the account they actually took XXXX more points dropping me from XXXX to XXXX claiming that the average age of my accounts had dropped. Well thats only because they took off an account that shouldnt have been on there and they even give that reason on their opening page and will not respond to me. I have emailed multiple times and all I ever get is computerized letters with XXXX  excuses. I filed a complaint with the XXXX XXXX XXXX. I find it highly unfair that the credit bureaus have such influence on peoples lives especially when they obviously dont give a tinkers dam when something goes wrong. A simple look at my account and they would realize their mistake but I guess thats too much to ask. FYI the other two credit bureaus have me at XXXX and XXXX as I have perfect credit and XXXX balances on all my accounts.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.and these bureaus has violated this law buy allow unauthorized inquiries to be listed on my credit report I have never authorized any of the listed hard inquiries that are attached to the images below I contact XXXX and Equifax to get this response numerous times and no one wanted to assist XXXX they are unable to get me an online account to dispute the inaccuracies Equifax will not proplerly complete an investigation I have asked for my original written consent to obtain my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX USDOE/XXXX Account number : XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/23, U.S. Bank XXXX XXXX, XXXX XXXX ( NMLS # XXXX ) and I agreed on a suitable loan rate for a purchase for a new construction home at XXXX XXXX located at XXXX at XXXX XXXX in XXXX, CA. As it was a Saturday, XXXX XXXX indicated that she would have to lock in the rate on Monday, XX/XX/23 but would honor the agreed upon rate if rates increased and if they went lower, she would honor the lower rate. She subsequently requested the necessary documentation which included my Driver 's License. On XX/XX/23, I received an email from XXXX XXXX stating the rate had been locked. On XX/XX/23, XXXX XXXX sent me a Disclosure document for signature when I discovered the rate was incorrect and higher. For a week after that, XXXX XXXX ignored all requests I made to revise the loan rate. Throughout the process, I attempted to contact XXXX XXXX multiple times, engaging my realtor, Builder 's Reps, and XXXX XXXX 's assistant. On XX/XX/23, XXXX XXXX, after being reported, indicated that she'd make the revision. She did not and I reached out to a builder 's rep again who reported the behavior to a supervisor. On XX/XX/23, without apology or explanation, I received the revised document. Because of how uncomfortable XXXX XXXX 's behavior made me, I decided to terminate the contract and request an earnest money refund. Upon emailing a letter to that effect, a day later, I received a call from a builder 's rep that XXXX 's XXXX of XXXX and XXXX refused to return the earnest money. Without speaking to me, the customer, she relied upon a timeline of contact provided by XXXX XXXX even though I previously provided XXXX as well. XXXX XXXX neglected to include that she had locked me in to the wrong rate and that it remained that way for a total of 9 days until she was reported to a supervisor. None of the contingencies have been removed ( appraisal not reviewed/signed by me, received no inspection, and loan approval is conditional ) and yet, I'm still being denied my earnest money. I also indicated to XXXX XXXX that I felt XXXX XXXX 's behavior was discriminatory due to the fact that the incorrect loan was applied and her refusal to correct it after I submitted my identifying documentation to her. Reflecting on this brought me to a point where I was too uncomfortable to continue with the transaction. To my knowledge, U.S. Bank was never made aware of XXXX XXXX 's behavior. As my claim of XXXX XXXX 's unresponsiveness was questioned by XXXX XXXX, I provided screenshots showing my requests adding there was also a phone call made by my realtor to a builder 's rep urging XXXX XXXX to call me as well as text messages between my realtor, a builder 's rep, and myself regarding the situation.

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 2023-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Happy Money, Inc.
State: GA

Complaint narrative:
I took at loan with XXXX XXXX and part of the process was to payoff existing credit cards with the proceeds. I has 6 credit cards and 5 of them were paid off with the proceeds and the balance of the proceeds were sent to me as agreed. There was one card that was not paid, XXXX XXXX. I call the company several time to ask when will the payment be made, I was told to wait 7-10 days. The after those 7-10 days I called and inquired again. I was told as soon as they receive confirmation that payment was rejected by the creditor, the funds would be deposited into my account so that I could make the payment. That time has elapsed and still no payment or deposit into my account, I was event told that they received confirmation that the payment was rejected in the system and I should be receiving the payment. That confirmation was verbal and in writing. The customer services personnel notice that it was upsetting and tried to resend. But nothing has happened. I am owed approx {$3500.00} and this needs to be settled quickly.

Company response to consumer: Closed with explanation