vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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: TX

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX Employer XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons 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 Employers XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 Collecons 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 Name XXXX XXXX XXXX Employer XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons 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

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 2022-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I tried to purchase flights from XXXX for airline tickets. I used Affirm to pay part of the {$3400.00} for the tickets, and I had to pay Affirm {$2700.00} at the time of purchase. Immediately when I submitted to pay and confirm the flights within minutes, I received an email from XXXX saying they could not complete my purchase and confirm the airline tickets and any money paid would be immediately refunded. After a few hours and into the next day, the money I paid to Affrim for the tickets still hadn't been refunded to me. I immediately contacted Affrim to let them know about the situation. I provided Affrim with a copy of the email I received from XXXX confirming that we're unable to complete my purchase and a copy of the canceled purchase from XXXX '' website. I was told that the transaction was still processing, and I had to wait until it was processed to receive my refund. It has now been over a month, and I've contacted Affirm about his several times over the last month. Each time I spoke with, I was assured someone was working on it, and within 3-5 business days, I should have a resolution. They stated they needed to contact the merchant, and if the merchant didn't respond by XX/XX/2002, they would move ahead in processing my claim. That never happened, so I followed up # times since, and each time I was told it would escalate to the highest level of dispute, someone would contact me. On XX/XX/XXXX, I received a form/generic email asking me to submit documents I had previously submitted three weeks ago, and it would be another 15 days. That time has come and gone, and now they are telling me they are submitting to the merchant again asked me for the same documents and will sub it to the same dispute resolution departmeent ( which is the highest level again ), essentially restating the entire process Again!! This is 100 % theft and fraud at this point. They are fully aware that I was not provided a product or service in relation to the proposed loan yet have still refused to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have two major issues with my Bank of America small business checking account. 

1 ) The bank has repeatedly violated Dodd-Frank Act regulations to charge my account OD fees ranging from {$10.00} to {$35.00} over a 3 month period for balances < {$10.00}. This problem did not occur when I had similar accounts at other banks. 

2 ) I had wired transferred {$200.00} to a XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX on XX/XX/2022. Shortly after that I contacted Bank of America to recall the funds. It has been over 2 months and both Bank of America as well as XXXX  XXXX XXXX, XXXX ( recipient 's bank ) claim that the funds can not be taken out of XXXX 's account without his permission. Why not. It is my money after all. XXXX 's Bank XXXX XXXX account # is : XXXX. Bank of America Tracking # for the transaction is : XXXX. My XXXX XXXX, NJ, branch 's Relationship Banker claims that he can not do anything but wait for a response from the Fraud Department at Bank of America. This transaction has hurt my relationship with Bank of America because when I recalled my funds, my company needed the money. We have overcome that hurdle but my question to you is why has a so called " to big to fail '' bank failed in this recall effort. How many customers such as I have they failed in cross border dealings? Please see attached.

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 2022-07-19 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: NC

Complaint narrative:
the 3 Bureaus haven't responded to any of my Complaints and a friend of mine told me they have to respond within 30 days and I still don't have any results of they investigation

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 2022-07-19 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: NC

Complaint narrative:
the 3 Bureaus haven't responded to any of my Complaints and a friend of mine told me they have to respond within 30 days and I still don't have any results of they investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Porsche Financial Services, Inc.
State: IL

Complaint narrative:
On XX/XX/2020. I received a loan for a XXXX  XXXX  costing {$120000.00}. Cost of the car was {$2000.00} a month. I asked for the price monthly to be lowered on the vehicles monthly payments. The rep told me my cost was final and they wouldn't allow me to refinance for a lower monthly price. I was only behind 43 days on payments. I was in the hospital  and suffering from XXXX which was my reason for the one late payment. The rep wasnt looking to work with me and added my car to the repo list within the 45 days. A few weeks after the call with the rep, I came home from the hospital and the car was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
In XX/XX/2022, Barclays Bank Delaware requested a credit review on my name through XXXX. I am a current customer of Barclays '. 

When I called Barclays, they transferred me to 5 different people but did not respond to my question as to why a credit inquiry was initiated using my personal information. 

I am being extra vigilant because a few days ago, someone fraudulently used by personal information and tried to apply for a credit card on my name with XXXX. After I received the alert by XXXX that XXXX ran a credit check on me and after i confirmed the details with XXXX, I decided to be cautious and check all 3 credit bureaus for suspicious activity. This is when I saw the Barclays inquiry. 

Barclay was also unwilling to put an alert in their system for my name/ss #, in case someone tried to open an account with them using my name fraudulently.

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 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TriVerity, Inc.
State: MN

Complaint narrative:
XX/XX/2022 Debt collectors name is XXXX XXXX from TriVerity or CU Recovery. Yelling at me and using profane words such as saying I'm trying to " swindle '' or dodge the debt which was charged off 7 years ago. Did not provide me with XXXX XXXX XXXX XXXX finance department phone number. Said she talked to them about it but wouldn't let me communicate with them. There is an lien on an old car loan which I am trying to pay XXXX XXXX XXXX XXXX for so I can get the lien released. Will not provide proof of what the finance department at XXXX XXXX XXXX XXXX is saying. Also, tried talking to finance department at XXXX XXXX XXXX XXXX and they haven't reached out to me. They have been treating me like a criminal when all I am trying to do is talk to a member of XXXX XXXX XXXX XXXX XXXX finance department. 

XX/XX/2022 XXXX XXXX from TriVerity called me and asked me if I am taking the issue personally which I am not. I just told her I would like to speak with someone higher up. She said her supervisor will give me a call back. Yesterday she told me that wasn't an option and that I need to speak with her about it. 

About 6 months ago I talked to a XXXX XXXX from CU Recovery/TriVerity and he told me I could come up with {$1800.00} to pay the lean off. He doesn't work there now anymore and now they are saying I need {$2700.00} to pay the lean off. XXXX XXXX is denying that he said that. All I am trying to do is talk to someone higher up than XXXX XXXX and I haven't been able to. I asked her for proof of what she is saying about what the XXXX XXXX XXXX XXXX XXXX department is saying to me and haven't received any. I'm just trying to talk to someone from XXXX XXXX XXXX XXXX finance department and she is not letting me do that. I don't even know if what she is doing is legal. I have been trying to reach out to XXXX XXXX XXXX XXXX finance department and haven't been able to yet. This is over a charged off debt from about 7 years ago that has a lien on it. XXXX XXXX XXXX XXXX is also not letting me talk to the finance department team. They keep telling me I need to talk to XXXX XXXX. 

Her phone number is XXXX. Or XXXX. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage is with Nationstar XXXX Mr. Cooper XXXX Nationstar/Mr. Cooper incorrectly reported my account as delinquent to credit agencies while the account was in good standing and in the forbearance/deferment process under the Cares Act. This caused my credit score to drop from XXXX to below 650. In contacting Nationstar about this I was told to send an email to the research department and wait 30 days for them to investigate and have it corrected. I sent the email, as well as reported to each of the credit bureaus but have yet to receive any communication from Nationstar/Mr. Cooper now in the third week since my initial email. This is infuriating that a company can cause damage to personal credit history and not take immediate action and regular communication to correct. With Mr. Cooper you are unable to speak with anyone beyond the general customer service line when calling, regardless of your issue. Two of the three credit bureaus ( XXXX and XXXX ) have been very good about keeping me informed of their processes to reach Nationstar/Mr. Cooper and have corrected the credit report. XXXX has had no communication and still has not corrected the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
On XX/XX/2022, I made a transfer of {$2500.00} to XXXX XXXX on my bank 's website using the Zelle app. I was notified the next morning that the payment could not be completed and the money would be returned to my account in 1-3 business days. I checked my account Friday, XX/XX/2022 to find it was not available. At this time, I called XXXX XXXX to request the refund and I was told it would be another 3 days. On Tuesday, XX/XX/2022, the funds are not in my account and XXXX XXXX is attempting to dispute and recovery my funds. At this time, Zelle is not receiving calls to address issues and there is no way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Rocket Mortgage will not stop calling me, sometimes 4 times a day after I let the know I had went with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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:
Filed dispute with Experian on XX/XX/XXXX due to XXXX XXXX XXXX XXXX reporting a previous {$30000.00} Home Equity being discharge in a bankruptcy filed in XXXX which is incorrect. Our XXXX  was NOT included in the debit discharged. XXXX denies any wrong reporting. 
Filed another dispute with Experian on XX/XX/XXXX and supplied loan documents showing XXXX had reported incorrect information. XXXX denies any wrong reporting. 
Filed a complaint with the XXXX  on XX/XX/XXXX and supplied all documentation which XXXX again denied any incorrect reporting information. The XXXX  found inconsistencies with XXXX and stated our complaint will remain on file. 
Filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in which we have no reply. 
XXXX reports the {$30000.00} XXXX  loan was XXXX, however they went on extend our XXXX  line twice more after the bankruptcy. 
The attached Bankruptcy file will prove XXXX need to removed the incorrect information it reported.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion just sent a response to my second complaint, # XXXX, about their failure to provide my credit score. They have once again stated that I need to pay {$9.00} for the credit score. I paid them {$15.00} for the score in XXXX. They cashed the check. I overpaid what they are asking. I still have not gotten my credit score. No one is listening to a single detail being given here, and I will keep submitting complaints, daily if necessary, to get this simple correction made.

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 2022-07-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX OF XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have reached out to Capital One Corporation numerous times informing them that I have the right to credit under Truth and Lending Act 15 usc 1602f credit- means the RIGHT granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 

So knowing this, I have informed Capital One Corporation also that my social security card is the card that funds all consumer credit transactions that include my 9 digit social security number that I gave them access to, so that I may be able to extend my credits, which is also under the Truth and Lending Act - 15 usc 1602L - a credit card defined as : any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I can not be denied credits due to the fact that Capital One Corporation is making unauthorized late payments remarks on my consumer reports/files without my consent under 15 usc 1681s-2 so this account needs to be removed from ALL CONSUMER REPORTING AGENCIES IMMEDIATELY. Also, they have made another grave error claiming ( that a previous account ) - CHARGED OFF account ( which I disputed and is being held unlawfully against me ) can be a valid reason for my denial.. When I know for a fact that has nothing to do with my approval and it should not even be reported in the first place due to the fact that the consumer report/file DOES NOT INCLUDE INCOME source- 1099C IRS Publication states it's no longer a debt when it becomes a charged off account, and that it indeed is proof it's GROSS INCOME and it must be removed immediately.

I am given the authority and I am enforcing my consumer right for an extension of my credit to be granted to {$50000.00} due to their lack of compliance and refusal to grant me my previous request of {$25000.00}, pursuant : Truth and Lending Act subchapter 15 usc 1691 ( 3 ) SCOPE OF PROHIBITION " ACTIVITIES CONSTITUTING DISCRIMINATION - It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.

Company response to consumer: Closed with explanation