vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX weeks ago I closed a credit card account with Bank of America.XXXX XXXX XXXX was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please XXXX Bank of America to mail a check with the amount that they own me.

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 2022-11-25 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: VA

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 2 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/ 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 2022-11-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
My insurance company ( XXXX ) who is insured by XXXXXXXX XXXX questionably raised my premium by 600 % during covid-19, forcing my mortgage ( Freedom Mortgage ), who is insured by XXXX XXXX XXXX to nearly triple. 

Under the VAPCP ( Partial Claim ) program XXXX billed Freedom Mortgage for the {$7000.00} premium cost. This cost would later be passed on to me through the XXXX, leading an additional $ XXXX being said I owe. Now I owe more for my home than the original load price. 


I'm going to lose my home, if something isn't done.

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 2022-11-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THIS INVESTIGATION HAS TAKEN MORE THAN 30 DAYS AND XXXX IS CAUSING COMMERCIAL AND FINANCIAL INJURY TO ME. I INTEND TO FILE A FEDERAL CRIMINAL COMPLAINT AND FEDERAL CIVIL COMPLAINT AGAINST XXXX I WAS AN IDENTITY THEFT VICTIM OF THE XXXX XXXX BREACH AND XXXX IS NOT REMOVING THE FRAUDULENT ACCOUNTS IN ACCORDANCE WITH THE LAWS BELOW. 

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, XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX # 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 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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is reporting wrong credit score.

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 2022-11-25 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I initially reported a fraud claim to Barclays Bank in or about XXXX of XXXX. Since that time Barclays has repeatedly failed to correctly handle the fraud claim. In addition Barclays has been reporting my account in default to the credit bureaus for amounts that should have been waived due to fraud. 

At this time there remains XXXX fraud charge of {$36.00} to a XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  that posted on XX/XX/2022. All other fraud amounts have been removed. I don't understand why this amount remains on the account as it has been repeatedly reported to Barclays. And transaction records clearly show I was XXXX XXXX XXXX away from XXXX XXXX at the time of the charge at issue. 

My account has accrued interest and non-payment fees due to Barclays continued failure to properly address this fraud 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 2022-11-25 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: TN

Complaint narrative:
The credit reporting agencies fixed some of the errors, but not all. I need assistance enforcing them to fix " all '' errors on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
As a consumer I was extending my credit in a consumers credit transaction. Under XXXX XXXX as XXXX Which I stated as I walked in. They XXXX a bank statements which were provided as well as XXXX stubs. Before sending my information to the underwriter I was told to sign an agreement which I placed my autograph on which included XXXX XXXX they requested I remove without prejudice by law as a consumer I was exercising my rights. They proceeded on telling XXXX cant extend my credit unless its removed. Also, by XXXX under XXXX becomes legal binding and UCC XXXX XXXX becomes a negotiable instrument and becomes liquidating. So, I agreed to remove it because I need a vehicle. After, I presented all the necessary documents to extend my credit in a consumers credit transaction they went on to mislead me in saying they Did a Soft pull on my credit, Which I have proof it was a hard inquiry which means I was approved and my credit had been extended for XXXXXXXX XXXX But they continued to mislead me on my credit extending. Later they called me and told me that because I worked for a temp agency that I could not be approved which by federal they denied me again under XXXX XXXX XXXX false and misleading of ones on credit is a {$5000.00} fine or imprisonment up to a year or both. The XXXX XXXX XXXX XXXX Falsely mislead me again aswell well as another supervisor which is fraud and Theft. 

Documents they Needed for approval : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
During the summer, my loans were transferred from XXXX to Mohela. I sent two in-messages on XXXX XXXX, XXXX and XXXX XXXX, XXXX about employment verification and getting payments to become eligible. I event tried to call, but had absurd wait times. 

I was ignored and read that others were being ignored as well which was convenient given the XXXX XXXX deadline set by the government and already passed so they didn't have to honor the Limited XXXX Waiver. 

To get help, I reached out to the XXXX  last week. The XXXX has been getting responses from Mohela, however, Mohela is refusing to fix the problem. 

I filled out the XXXX application last XXXX of XXXX. During that time, I was hired with XXXX XXXX Texas XXXX XXXX XXXX ). My time spent with them is also stated on my XXXX XXXX  that I provided to the XXXX  and Mohela which which is dated, signed, and stamped by HR. This should be plenty of proof for employment verification. 

According to Mohela, since I filed the application in XXXX XXXX and XXXX confirmed it, my payments from XX/XX/XXXX- XX/XX/XXXX do not count as eligible payments. That's ironic since Mohela stated at the beginning that was was still employed by XXXX. XXXX records clearly show that I was employed by them from XXXX XXXX XXXX but Mohela refuses to honor that. I did switch districts and started new employment in XX/XX/XXXX which I stated to the XXXX  and Mohela. 

The issues are this : 1. Mohela is cheating us out of eligible payments towards the XXXX even when given employment verification. 

2. They purposely ignored out communication since the XXXX XXXX deadline would pass as set by the US Govt. 

3. Next, when I do fill out a new application, then only my payments from XXXX to XXXX. will count as eligible, but nothing for the rest of this school year though I'm employed. Mohela states we only need to fill out an application once a year, but what good is that doing us when they don't honor a full given year and stop counting eligible payments from when the application is filed. 

4. In addition, as a teacher, our contract is from XXXX to XXXX in a given school year. However, our service records show only our school year 's end date when we leave so either XXXX or XXXX depending where you work. So all of us are losing eligible payments in XXXX and XXXX when we leaving a district even though we are paid and contracted through XXXX in a given year. 

5. I understand if they're going by the service records which is why they can not honor XXXX and XXXX, but even then, that's not fair. With that being said, if they'll go off of the XXXX  XXXX  for that, why aren't they honoring all eligible payments for the full time we've been with a district then? It doesn't make sense as they try to cheat us out of money and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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:
XXXX is reporting wrong credit score.

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 2022-11-25 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: TN

Complaint narrative:
The credit reporting agencies fixed some of the errors, but not all. I need assistance enforcing them to fix " all '' errors on my credit reports.

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 2022-11-25 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: OneMain Finance Corporation
State: MS

Complaint narrative:
This company is reporting a inquiry that I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My American Express XXXX XXXX preferred card got charged of {$19.00} premium rental car insurance on XX/XX/XXXX. I never enrolled into this program. I contacted Amex two times and customer rep agreed to refund but I haven't recieved the refund within expected timeframe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25 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:
This company is reporting a inquiry that I did not do.

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 2022-11-25 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: IL

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  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX  : # 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 2022-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested information about the debt to XXXX and have not received anything pertaining to this collection. I don't owe them and want it 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 2022-11-25 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: GA

Complaint narrative:
n 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 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 XXXX ; # 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 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 2022-11-25 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: GA

Complaint narrative:
n 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. 

XXXXXXXX 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 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 bankruptcy discharged ; # 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 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 2022-11-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-25 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:
This company is reporting hard inquiries that I did not do.

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 2022-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This company is reporting hard inquiries that I did not do.

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