vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
I originally opened an account with XXXX, a XXXX credit card. Charges made on the card was not all my charges and XXXX was aware of that. The account charged off and let XXXX collection team the account had a {$0.00} balance and the account was sold to another creditor. If this account was charged off and sold this account shouldnt be reporting on my credit report at all and if its going to report it should show completely charged off with a {$0.00} balance.

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 2022-05-13 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX  ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX, XXXX, XXXX ACCOUNT NUMBER 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 2022-05-13 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:
The Credit Bureaus never did a proper investigation according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this Also they have violated my rights even more In accordance with the Fair Credit Reporting Act everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal. 
They also violated the law because according to 15 U.S.code 1681 1.section 602A State : I have the right to privacy 15 U.S. code 1681 section 604A States : it also states a consumer reporting agency connot furnish a account without my written instructions I did not give anybody written instructions Delete all inaccurate 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 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased a home in XX/XX/XXXX. At the time, the mortgage escrow account was funded so as to cover the supplemental tax bill that was expected. The mortgage was subsequently sold to BSI Financial. When I received the Supplemental Tax Bill in XXXX, I submitted it to BSI via their website. I subsequently followed up several times and heard nothing back from BSI until XX/XX/XXXX. By that time, the first payment due date on the taxes had passed and I had incurred a late fee of {$230.00} ( 10 % ). The representative on the phone ( who called me ) gave me a new email address to which I needed to submit the bill. I emailed it to them that same day. I heard nothing back. I subsequently followed up several more times with no reply. I called them today ( XX/XX/XXXX ) and was advised that my request to pay the supplemental taxes from the ( ample ) escrow account had been denied, and that I may get a refund at my next escrow analysis in XXXX. In the meantime, I will be forced to pay the property taxes in order to avoid a second late fee charge. 

I believe that this company is deliberately dragging its feet and denying a perfectly valid claim in order to profit from having my escrow balance be excessively high for as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Dates are ongoing I lost my home my work and XXXX XXXX XXXX XXXX Navient student loan services calls 6-10 times a day and today XX/XX/2022 started calling and harassing people the believe are family member which they are no I have sent emails and mail to tell them to not contact anyone else concerning this account. One potential employer pulled my application this morning because of the call. I have asked and asked written and told them not to contact or harass calls 6-10 times daily every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I Applied for the Capital One XXXX  XXXX  Credit Card on XX/XX/2022. Upon approval, I received an email stating that the full deposit ( {$200.00} ) was due by XX/XX/2022 to receive the card, otherwise the account would be canceled. Screen stated that additional deposits to increase the card limit of {$200.00} up to {$1000.00} could be made prior to card activation. No explicit date was stated for when additional deposits were required to be paid by within the disclosure, just that they were required prior to activation ; the only date stated for deposits was for the initial {$200.00} deposit. On XX/XX/XXXX I went online to schedule an additional deposit to be made to the card and discovered I could no longer do so. The message I receive stated that either the Deposit due date had already passed or that the application was no longer valid. I called and spoke to a supervisor at Capital One and explained my situation to them. I was told that the date stated was for not just the required deposit, but for the additional deposits as well. I pointed out to them that the disclosure displayed during the application process did not clearly state that, and as such was misleading. I referred them to other areas on the website where the same unclear terms were reiterated. I had applied for this card to help increase my credit limit so I can rebuild my credit score, and because of the deceptive marketing practices employed by Capital One, the card will not be useable for the purposes it was needed for. Capital One has refused to have their underwriting department fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: PA

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This month XX/XX/2022 transunion reported my credit score and they reduced it by XXXX points. I have paid everything in time. I have called three times asking them to explain to me what information did they receive or use to determine my score and reduce my score by XXXX points in one month. The other two reporting agencies did not report my credit score dripping XXXX points. I have the right to know what information they received to arrive at such a harmful impact to me personally. I can not get anyone at transunion including a manager and two supervisors that can provide me with the exact information or data they based their reporting on. I feel this is incorrect and critically damaging to me and I can not get an explanation from transunion. In fact they refuse to help me with this reporting problem. By them reporting my score dropping almost XXXX points in one month they have critically damaged me as it has prevented me from getting safe housing and caused landlords and property management companies to require exorbitant deposit amounts. I demand an explanation and proof of the data they used to base their decision to report my score dropping substantially. In my attachments you will see capital one raised my credit limit which should be a positive event because it shows I am paying as agreed. Another attachment reflects my credit utilization is at 20 % which is well below industry standard as it pertains to calculating credit scores at 30 %. There is no reason transunion should have reported my score down almost XXXX points. Transunion has massively harmed me personally and it is criminal in my opinion.

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 2022-05-13 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: Kikoff Inc.
State: PA

Complaint narrative:
I went on their web site to get more information on how their program works. You have to put in information but i was not trying to sign up for the program. they have me signed up and i never did and its reporting on my credit reports as late payments. I tried contacting the company and their answer was to explain to me how their program works. I also tried disputing on my credit report with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo on XX/XX/2022 and was advised that the credit reporting for XX/XX/2022 was incorrect & would be updated by two representatives. I called to follow up on the request on XX/XX/2022 as the delinquency was still being reported. I spoke with two representatives that advised that the credit reporting was updated to Current and that I should receive a letter in 7-10 business days though they were unsure when the credit reporting would be updated. I asked for the letter to be escalated as I am in the process of a refinance and then a 3rd representative advised that there was not a credit reporting update and that the 30 day delinquency would remain. Wells Fargo continues to handle this issue with deception and abuse of power. The delinquency was not my error and they fail to update it. The delinquency for XX/XX/2022 payment for the XX/XX/2022 reporting is incorrect & should be reported as Current. I spoke with XXXX and a case escalation has been opened for review however I have spoken to 5 reps today alone. The delinquency reporting for the XX/XX/2022 payment in XX/XX/2022 needs to be removed.

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 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am unclear on what the card benefits are on the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 719transunion has me at a score around 590. 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 three 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old 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 2022-05-13 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX 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 severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: EQUIFAX, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX, XXXX I sent a letter to validate a debt to both XXXX and XXXX. I did not receive a response so I sent a letter to Equifax regarding both XXXX and XXXX alleged Collection accounts in XX/XX/2022. I did not receive a response, But they updated my credit report to show it was disputed. I then sent another letter in XXXX, and still have yet to receive a response. 

Not only has the collection company not been able to provide any proof of this alleged debt, but Equifax has not AND Ive attached a copy of my credit report highlighting ALL THE FCRA violations Equifax has violated. They literally CHANGED the XXXX year history from all on time payments and all the sudden ADDED a XXXX late pay in XXXX of XXXX. Which its reporting as a collection- 1 ) collection accounts are NOT to report as an OPEN account, they are reporting a Past due balance and they can not by LAW add a 120 day late payment... THIS IS 4 VIOLATIONS OF FEDERAL LAW. 

Ive attached copies of my credit reports to show that they added the late payments and all the letters that have been written and sent certified and received. 

This is unethical and it is harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: MS

Complaint narrative:
I did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/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 2022-05-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I originally opened an account with XXXX, a XXXX credit card. Charges made on the card was not all my charges and XXXX was aware of that. The account charged off and let XXXX collection team the account had a {$0.00} balance and the account was sold to another creditor. If this account was charged off and sold this account shouldnt be reporting on my credit report at all and if its going to report it should show completely charged off with a {$0.00} balance.

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 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Afterpay US Services, LLC
State: KY

Complaint narrative:
Afterpay, a company that provides people the opportunity to make several payments for a purchase, has made several unauthorized charges on my credit card. Afterpay has no number to call for customer service. It does show online that complaints can be submitted online I have submitted my complaint several times, but have never received a response. I would like to know the identity of the person or persons who used my card without my authorization. I would like to know the identity of the goods I have been charged for, and the address to which the goods were shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  Account # XXXX XXXX XXXX account # 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 explanation