vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account Name and number, XXXX XXXX XXXX # XXXX has violated my rights

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 2022-11-11 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: MA

Complaint narrative:
XXXX marked my loan as greater than 30 days past due, reported my account as delinquent to credit bureaus, sent my account to Collections, and assessed late fees. At the time this occurred, my account was less than 30 days past due. Per their own policy, I should not have been reported. I ultimately made the payment within 30 days. When I pointed this out to them, they acknowledged it was incorrect, but refused to take any corrective action. This also affected my Cosigner. My cosigner asked them to verify that there was no affect on credit score in person and XXXX  said there was not. They lied to my cosigner in person, and they lied to me in writing, and then refused to correct or even to inform me on how I could correct. I would be happy to provide writing, phone recording, and affidavit from cosigner.

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 2022-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
FCRA violation. The item listed on my XXXX report is unidentified and / or erroneously added by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The XXXX said they are auto buy my home owner insurance with the amount triple my Mortgage. 

The usually I paid mortgage with XXXX {$870.00}, XXXX : {$1200.00}, the property Tax and escrow fee : {$1300.00} so total every month : {$3400.00} But on XXXX XXXX, 2022 they auto took money from my bank : {$19000.00}. When I discovered on my bank account a days after that, I call them, and then they excused that the XXXX they bought for my home owner insurance, from XXXX to XX/XX/2022. And they said they send me XXXX letters for that. 
I Argued with them, if i receive any XXXX of the letter i fix the problem right the way, because no way we see the amount jump from {$3400.00} to {$19000.00} and admit to pay this amount. 
They said I accepted their rules when I set up the XXXX pay via their website. XXXX I said I never authorized for any insurance took my money from my bank, I just authorized for the mortgage amount, Property tax and Escrow fee only, this is the illegal activities without my permission, I required them to refund the full amount before we deal with other issue, them They denied to refund money. 

So I am write this complain to CFPB because : 1 - Illegal make the transaction with big amount without my permission.

2 - Ask them to refund the full amount they took from my bank illegal immediately.

3 - Please Investigation about the indistinctive contract they lured the customer.

Please respond my complain ASAP, because they took the big amount of money ( {$19000.00} ) impact effect to my others bills to pay. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
The collection agency sent me a letter stating I owe them ( for an XXXX XXXX XXXX  debt ) XXXX from XX/XX/2011. I called to tell this agency that I do not owe anything and that it is not right to try and come after me for debt I have no way of proving I do not over from over 10 years ago. First he tried telling me that I owe over XXXX. When I told him that was not true and that the letter itself was only for XXXX he changed the total. I always pay my bills so I know I definitely do not owe XXXX XXXX XXXX anything! Especially from so very long ago. Plus- we use XXXX XXXX XXXX now and they would have told us if we had debt. I think this company is fraudulent and trying to get money from me. This company is called Radius Global Solutions. I can not say the customer service representatives names or the supervisors name because they were all of a foreign nature and I can not pronounce or spell the names.

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 2022-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
The issue is to report a telegraphic transfer. And the bank making issue is the bank of new york mellon. I am a student from XXXX. I sent my fees to XXXX university from XXXX on XXXX XXXX through XXXX XXXX. The sender bank was bank XXXX XXXX. There was a compliance on my transfer which took XXXX weeks to clear than the sender bank said the money has been transferred but it didn't reached the XXXX XXXX and i confirmed it. The bank ran the tracer, XXXX XXXX replied that they sent the transfer to bank of new york and now the information to bank of new york mellon XXXX XXXX XXXX but they are not replying. And its been XXXX months they are not replying on tracer or transferring the transaction to XXXX XXXX ( convera ). I sent the complaint to XXXX  but no reply I am in really need. I have all the documents plz contact as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX # XXXX has violated my rights

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 2022-11-11 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account Name and number, XXXX XXXX XXXX # XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I received a Citibank card with an affiliation to Best Buy on or around the XXXX of XXXX, XXXX. I received this card in the mail after being in Colorado on vacation for the prior 10 days. Upon activating the card and signing up for online access, there was a charge issued on XX/XX/XXXX in the amount of {$700.00} that took place at the XXXX XXXX MN location. ( this was apparently a television, and a {$10.00} Donation ) I contacted the bank to tell them it was not my transaction, and needed to dispute this charge. they assured me, since the transaction took place before I had the card they would remove it. they then shut down the card, and issued a new card. I offered to provide any statement, affidavits or police paperwork they would need to look into this. They assured me on multiple occasions, that the investigators would reach out if they needed anything from me. The only correspondence i received was a letter dated XX/XX/XXXX that stated " I received benefits from the disputed charges made on this account '' I contacted the bank again, to ask what benefit, this is when they told me about the TV and donation. I again told them it wasn't me, and again offered to provide written statement and get a police report, they said they would re open the investigation, and contact me if needed. Today XX/XX/XXXX i called to get an update, and was told the investigation was complete and I am liable for the charges. 
as of today, I am filing this complaint with the CFPB, the XXXX XXXX Police Department ( case # XXXX ) and will also be contacting Best Buy. 
It is my belief that Citibank has drawn out the investigative process in such a manner, and by advising someone not to file report unless asked, they are hoping to run out the clock on and video footage of the purchase. They have also impacted my credit score in a negative fashion by reporting the account as over limit, even though I have never been late on a payment on the undisputed portion of the balance, and have made a payment XXXX recently as XX/XX/XXXX, while this " investigation '' was taking place.

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 2022-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The have sent multiple letters to the credit reporting bureaus ( XXXX, Equifax and XXXX ) about the errors and inaccurate reporting of the account such as date of last payment, date of when the account was established, as well as other information not reporting accurately across the three credit bureaus. I have reached to the creditor and collections agencies where they have failed to provide a proper validation of debt and error are still reporting after pointing it out to the three Credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: SC

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 USC 1681. 


XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX US DEPT OF EDXXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
My name is XXXX XXXX, formerly known as XXXX XXXX. Im trying to reach Specialized Loan Servicing ( SLS ) to request documents and my efforts have been unsuccessful. Ive spoken to a representative a few weeks ago but was never given a number or email address to follow up with. 

The representative confirmed that SLS had sent my insurance company {$2200.00} on XX/XX/2022. I contacted my insurance company regarding this transaction ; however, they are requesting that I send them proof of this transaction. If SLS could send over documented proof of this transaction, that would help significantly in resolving the confusion.

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 2022-11-11 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: OH

Complaint narrative:
I DISPUTED INFORMATION WITH TRANSUNION AND THEY FAILED TO CORRECT THE ERROR BUT ADDED FALST INFORMATION TO MY CREDIT FILE. 
THE ACCOUNT UNDER THE NAME OF XXXX WAS NEVER LATE, PAID ON TIME AND CLOSED OUT. THEY CHANGED THE STATUS TO CHARGE OFF WHEN THIS ACCOUNT WAS NEVER CHARGED OFF. THIS ACCOUNT WAS NEVER LATE, THIS ACCOUNT WAS CLOSED BY THE LENDER BECAUSE THEY CHANGED THE NAME OF THE COMPANY. 
AT THIS POINT, I AM READY TO SEEK LEGAL COUNSEL AGAINST TRANSUNION DUE TO ALL OF THE ERRORS THAT ARE ON MY FILE AS WELL AS THE ONES THEY REFUSE TO CORRECT. 
THIS ACCOUNT WAS NEVER CHARGED OFF!

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 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I moved back to the states in 2019 and opened a credit card account with Bank of America on XXXX to begin to reestablish my credit in the US. 

I transferred {$1000.00} to this account from my checking thinking that I could use the funds as I was accustomed to prior to my leaving the US. 

No one ever contacted me from Bank of America to tell me that this was not allowed and all the while I was using my account assuming I was spending the money that I deposited. 

Sometime later I received a late notice and I contacted them immediately over the phone as this was during Covid. They then informed me that the transfer was not allowed and my only option was too is open another account and close this one # XXXX. 

They never told me that the delinquencies would be reported on my credit report as I never went above {$400.00}. 

I am trying to build a new home and in the process of this my credit report was pulled and I discover that this is negatively reflecting on my credit report, I have tried to get Bank of America to remove this account as this happened as a result of their inability to take care of a customer who was acting in good faith but was unaware of the rules and I have been told that they will not do anything,

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 2022-11-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX To Whom It May Concern ; My name is XXXX XXXX and this dispute the above referenced case # XXXX XXXX. On XX/XX/2022 I ordered the XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  # XXXX if you go into their system or call them they can advise that this merchandise WAS NEVER BROUGHT TO XXXX XXXX XXXX XXXX ; XXXX XXXX, Il XXXX. I am requesting this {$3000.00} charge be refunded to my BARCLAYS credit card as I NEVER RECEIVED THIS PRODUCT NOR DID I SEND ANYTHING BACK TO THE SELLER FROM MY HOUSE AS IT NEVER ARRIVED. I am very disturbed as to how a product that I never received can be charged to my account. I have sent several packages to the credit card company to try and rectify this matter and they have closed the dispute twice. I don't know what XXXX XXXX  & XXXX advised Barclays, but I did not receive this product and the XXXX invoice does not disclose or indicate the bed was dropped off at my house AT ALL. Nor did I send it back to them nor did I break it and send it back. I am requesting this charge be removed from my credit card statement as I do not have this product nor did I ever receive it. Please remove this charge as I did not receive it nor do I have this bed.

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 2022-11-11 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I called my bank, Bank of America on XX/XX/XXXX after a man named XXXX had me deposit a money order for {$990.00} at the ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was at XXXX and I was taking out {$100.00} for myself when he approached me. I was the only person in the ATM and felt intimidated and nervous so I felt pressured and like I had no choice but to help him for my own safety. When I received the printed receipt from the ATM, it said there is an available balance of {$680.00}. So I transferred the money ( {$680.00} ) via XXXX to him. Once I got home, I had a feeling it was a scam so I called Bank of America on XXXX XXXX and was told that I had to wait for both the money order deposit and XXXX transfer to be processed ( both were still pending ) before he could look into the money order as fraud and the XXXX transfer as a scam. 

Once both finally processed, I called my bank again on XXXX XXXX as there was a credit chargeback for the same money order of {$990.00} which confirmed it was a fraudulent check. When I got hold of a representative, he also told me it was a fraudulent check hence the chargeback. He said it wont negatively affect my account but filed a complaint on my behalf as he told me that the previous representative who I spoke to on XXXX XXXX should have filed a fraud claim anyway despite the pending deposit. I let this representative know that I also wanted a refund for the {$680.00} XXXX transfer and he connected me with the XXXX sector of customer service. I waited on the phone for nearly 2 hours before someone finally connected me, where I explained all of the above. 

The representative told me it would take 10 business days for their researcher to investigate the case and up to 45 days for them to mail me the results. They also said *IF* I get a refund, as they said theres no guarantee Ill get my {$680.00} back despite there being physical proof ( I still have the receipt ) that the money I XXXX XXXX was the balance of a fraudulent money order. I tried to request the money back from XXXX XXXX XXXX on XX/XX/16 but with no luck. Im writing as today is XXXX XXXX and I received an update from Bank of America on this case on XX/XX/XXXX : Weve completed our review and are unable to approve your recent claim. Our records indicate that we completed the transfer ( s ) according to the instructions you provided us, and therefore no error occurred. Based on this, your account wont be credited. So even though I was scammed, my bank still can not provide me with a refund, hence why Im making this claim.

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 2022-11-11 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: NY

Complaint narrative:
This account needs to be removed off my report XXXX XXXX opened XX/XX/2015. In accordance with the fair credit reporting act my rights have been violated as a consumer pursuant to USC 15 1681a ( 1 ). Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. This does not comply with the FCRA ( Fair Credit Reporting Act ) and if it is not removed I will have my information removed from the database and no longer do business with any financial institution that uses your company to receive my information.

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