vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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:
XXXX XXXX XXXX : account balance XXXX XXXX : ACCOUNT BALANCE XXXX in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 





15 u.s.c 1661 section 602 A. States i have the right to privacy.

15 u.s.c 1661 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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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:
In 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

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 2022-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
Being new to Georgia, I sought potential lenders for a mortgage, and went with my agent 's lender. Silverton Mortgage, XXXX XXXX, was the loan originator and Vanderbilt Mortgage is the servicing company. From the onset, we express our desire to lock in at the lowest rate, pay off debt, and be provided the best loan product and advice that Silverton had to offer, as we did with others lenders we sought to go with. We were told by XXXX that she had our best interest at heart, and we were in good hands. When asked to lock in a 3.5 % rate, XXXX told us that she didn't lock her clients rates early because she has several years of experience and she would tell us when we should lock in our rate. We asked for all documents and disclosure, docusign documents, credit rates and scores used to determined our loan, and we have yet to receive them. We were told that our credit report and scores were pulled twice and was told that the updated score was XXXX. Come to find out, our score was only pulled once on XX/XX/2022, so she lied. We were told not to payoff different accounts ; and, yet we were ultimately charged with and {$11000.00} buy interest down fee, and we want it back. Also, XXXX stated in an email that she doesn't keep her clients documents, so she couldn't give us requested documents. We asked for the documents that the underwriters use, and still today, we have not received them. I have communicated with XXXX, from Vanderbilt Mortgage, XXXX XXXX, XXXX XXXX, XXXX XXXX, and left a message for XXXX XXXX of Silverton Mortgage. I have disclosed concerns with XXXX early on in the process. The home was priced at {$440000.00}, and to win the bid, we bided up to {$30000.00} over asking price. We asked that the {$30000.00} be added as an addendum note in closing documents because it was going to be paid outright, and not financed into the loan, or wasn't the price of the home, but XXXX stated that she could not do that. I have different correspondence to support what I'm saying.

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 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX Referencing the above CFPB case numbers, this is proof that XXXX XXXX XXXX is still attempting to collect a debt from my wife that was never hers, in an amount that she never agreed to. The company closed the account twice, and re-opened it once. Then at the same time, sold it to a collection agency in her name. I have attempted to settle this with XXXX XXXX XXXX and have had nothing but issues over the past few months. I am attaching a copy of the collection notice sent from Transworld on behalf of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have XXXX  names and primary names that are not correct and alot of unauthorized inquiries and one account marked late that I was not late on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: TX

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX inquiries : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 2022-07-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have tried several times to have 'Healthcare Collections ' accounts removed from my XXXX report. These have been removed from both of the other agencies. I asked for documentation to be sent to me where I signed originally for this collection and they have not honored that request. Additionally all the credit bureaus continue to report my XXXX bankruptcy. My score never goes above XXXX points and I feel the system is targeting me unfairly. There is no clear path to increase a score, no bureau offers any help with this or program to do this yet it impacts every aspect of my life!!!! This score has held me back from owning a home. Caused me to get denied for housing in apartments. Caused me denial from jobs. This score impacts my ability to feed my family. These bureaus have to much control over my life and give me no help in increasing this number in any way at all to better my situation. I am thinking of suing the companies for this reason as this has caused much XXXX  anguish for me over the years and is bearing heavy on me XXXX  daily. Something needs to be done to help us get these scores raised!!!!!

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 2022-07-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have tried several times to have 'Healthcare Collections ' accounts removed from my XXXX report. These have been removed from both of the other agencies. I asked for documentation to be sent to me where I signed originally for this collection and they have not honored that request. Additionally all the credit bureaus continue to report my XXXX bankruptcy. My score never goes above XXXX points and I feel the system is targeting me unfairly. There is no clear path to increase a score, no bureau offers any help with this or program to do this yet it impacts every aspect of my life!!!! This score has held me back from owning a home. Caused me to get denied for housing in apartments. Caused me denial from jobs. This score impacts my ability to feed my family. These bureaus have to much control over my life and give me no help in increasing this number in any way at all to better my situation. I am thinking of suing the companies for this reason as this has caused much XXXX  anguish for me over the years and is bearing heavy on me XXXX daily. Something needs to be done to help us get these scores raised!!!!!

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 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity All rewards calls me 4+ times a day to collect on a late fee. The calls are non-stop and can occur within 20 minutes of each other. They also call on Sunday mornings. I told them I placed a check in the mail but they still call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: PA

Complaint narrative:
XXXX XXXX XXXX is a contracted group for XXXX XXXX XXXX XXXX. I obtained their XXXX XXXX due to a left shoulder operation in XX/XX/2022. They sent me a bill which I was in monthly communication with XXXX billing and advised them to correct the payment amount because they did not apply the XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX. All vendors of XXXX XXXX XXXX XXXX must abide by this discount program to reduce costs for patients requesting financial assistance. In XXXX and XX/XX/2022, I supplied XXXX with copies of the XXXX XXXX XXXXXXXX XXXX via email and XXXX XXXX XXXX. I requested that they adjust the payment so that I can pay the correct amount. On XX/XX/2022 I recieved a letter from Frost Arnett Company who was hired to collect the debt. As a result, I contacted XXXX and spoke with XXXX ( XXXX ) and advised her that I have been in full cooperation and willing to pay but the amount was incorrect due to the missing discount. XXXX researched and confirmed the errors and that I was not given appropraite notifcation or time to pay the corrected amount with appropriate discounts after the adjustment. As a result, she left a telephone message for me on XX/XX/2022 that the balance was taken care of and the balance was now XXXX due to their current errors and past errors. This was confirmed again in a later conversation with XXXX. On XX/XX/2022 I spoke with XXXX representatives from Frost Arnett, a debt collector. I advised the representatives that there was an error and that I dispute the collection as per their letter. Their letter indicates that I can dispute verbally or in writing before XX/XX/2022. The representatives ignored my request for dispute. They attempted to collect the debt. I referred them back to XXXX to verify the error. I also advised them that I feel that they are violating my Fair Debt Collection Rights. They both indicated that they had no obligation to contact XXXX and that they had a debt to collect. They also requested proof of the financial assistance letter. I again directed them to XXXX who has all of the documents and determined the balance to be XXXX. After their refusal to cooperate, I was then directed to their website or send proof of financial assistance to their XXXX XXXX XXXX I feel that this is a violation of my rights under the Fair Debt Collections Practices Act. The debt was given a XXXX balance. I was in full cooperation with XXXX through the whole process. Frost Arnett demanded information and debt that was not owed to them. They refused to acknowledge the dispute request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
In XXXX of 2020 I began hours of letter writing and phone calls to Hyundai Motor Finance over a credit dispute. I had just turned in a vehicle that I leased with them after never missing a payment or making XXXX late. I turned in the vehicle several days ahead of the lease-end date. XXXX reported a delinquency in error and would not correct the issue. My credit score plummeted by XXXX points and I had to eventually hire an XXXX to resolve the issue, which took several months. I have just learned about the CFPB order for Hyundai Capital America to pay more than {$19.00} XXXX in fines and restitution for inaccurate and damaging credit reporting. I would like to be added to the list of affected consumers. Please let me know how I go about this.Thank you.

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 2022-07-29 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: TX

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XXXX XXXX XXXX Equifax inquiries : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Team - I want to highlight and escalate an issue I am not receiving any help on. 

Bank involved - Chase Credit agency - XXXX XXXX XX/XX/2022- I applied for a XXXX XXXX Chase Credit Card. And there was a HARD INQUIRY on my credit report XXXX XX/XX/2022- I receive a letter to call Chase as they need some information to continue the review. 

XXXX XX/XX/2022- I called Chase ( phone no - XXXX ) and I was told that they just need to reconfirm some details which will NOT lead to a 2nd credit pull. I re-stated that if they need to re-apply/ re-pull my credit file - I DONOT want the card. this was all on a recorded line. 

UNFORTUNATELY- the team initiated a 2nd credit inquiry on my file while i was on the call.

THis is a gross misrepresentation and error on part of the bank- which will impact my credit score and my finances. 



I called XXXX and they say I have to speak with the bank Chase tells me they cant do anything. 

COuld you please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX Referencing the above CFPB case numbers, this is proof that Rooms to Go/Synchrony is still attempting to collect a debt from my wife that was never hers, in an amount that she never agreed to. The company closed the account twice, and re-opened it once. Then at the same time, sold it to a collection agency in her name. I have attempted to settle this with Rooms to Go and have had nothing but issues over the past few months. I am attaching a copy of the collection notice sent from XXXX on behalf of Rooms to Go.

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 2022-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
At the beginning of XXXX, I was scammed into believing I had two jobs as a XXXX XXXX, and XXXX  were put into my account. Due to a " good faith '' system the bank had since I had been a client with Bank of America since the XXXX, the credited amount was put into my account, and I was given the assumption that everything was good with the checks. It wasn't until the XXXX and XXXX of XXXX did I receive Item chargebacks because the checks were counterfeit, and there was a negative balance of XXXX. ( The item chargebacks were sent in the amount of over XXXX, XXXX, and one of over XXXX -- which they were supposed to hold the credit until the XXXX of XXXX because the item chargeback started to come through for the one of over XXXX. ) The bank then informed me that I was held liable. I had reached out to the bank after filing a police report, in which I was repeatedly told there wasn't anything they could do, and I was passed to different departments that had told me the same thing. I was told the same information, but no one wanted to help me until XX/XX/XXXX, when I talked to the deposit department and was given assistance in filing a complaint with Fraud and also XXXX. Later on, I received a message that my complaints in the XXXX department were closed because they couldn't do anything, however my other claim -- separate from the XXXX one was still open and a decision wasn't reached upon it, and anything going on with my claims and my account would be given to me via mail or email. So it came as a surprise when I woke up to see my accounts had been closed without my knowledge, despite the XXXX department informing me on the XXXX of XXXX that I should have received information regarding the reason for the closing of my accounts, and the bank was still holding my saving funds because none of the complaints, according to representative XXXX in XXXX, that all of my claims were still opened, however, the bank still expected me to pay the negative balance even though they closed the accounts, and despite the fact that they were supposed to withhold the amount of XXXX until the XXXX, they still credited me the amount and I still owed the entire balance. I was sent to multiple departments again, where I was told that one could help me with my situation, only to be informed by the online banking that my case was being dropped by so many departments. I was even informed by a banker that Bank of America usually approves checks before crediting the money, which I recorded with the banker 's permission. It feels that my case during this process has been mishandled, and that a violation of the fair credit billing act has been broken.

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 2022-07-29 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: IL

Complaint narrative:
I recieved a response to a dispute letter that I sent. They said the accounts were verified as accurate. I responded on XX/XX/2022 with proof of all the inaccuracies that are still being reported. They are conciously still reporting inaccurate information on my consumer report.and they still havent responded in the required time of 30 days. Please inforce my rights and request these accounts be removed immediately.

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 2022-07-29 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: GA

Complaint narrative:
I have alais names and primary names that are not correct and alot of unauthorized inquiries and one account marked late that I was not late on

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 2022-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Uprova Credit, LLC
State: TX

Complaint narrative:
A Uprova representative contacted my workplace by phone call multiple times on XX/XX/2022 ; XX/XX/2022 ; and XX/XX/2022 ; and identified the debt collector as Uprova. The phone number used to contact my workplace on each occasion was XXXX ( XXXX ) XXXX. My workplace has various phone numbers, and this representative has called each one. I understand that these calls are meant to intimidate and harass me. Furthermore, I have already informed Uprova that my employer does not allow these types of calls at work and I am at risk of losing my job. Additionally, I sent a Revocation of Authority to Contact Third Parties on XX/XX/2022. I can confirm that Uprova has received this letter.

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