vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: MN

Complaint narrative:
On XX/XX/2022, I had a court appearance with my ex husband to dissolve and settle the marriage disputes. The only issue that was addressed by the Judge was child custody and child support. I filed a motion for reconsideration. Because of the threats to take my XXXX XXXX, driver 's license and XXXX, I paid what I could, and contributed to the remaining to the costs of travel, which under Cal code 4062 is considered support. The other party then contacted child support agency, who not only sent income withholding orders to my place of work without a judge 's signature, they put that I was behind XXXX dollars in arrears on my credit report, stated that it was an installment loan. I sent them a letter asking them to release the contract and validation of debt, and they refused to send me that, using terms such as " obligation '' when that means contracted debt or agreement. I also sent them a cease and desist. I submitted a claim to XXXX, Transunion, and XXXX to remove the account. I also noticed it hasnt even been updated, and remaining the same amount. Im submitting this complaint, because they do not have my consent to release this information of my credit report and also refused to release validation of debt. They do not have a signed contract of voluntary obligation of debt. The court case was completed under grounds of lack of jurisdiction and unconstitutionally violated my rights under the Color of Law. This has damaged me severely and will be seeking remedy.

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 2023-04-21 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: MN

Complaint narrative:
On XX/XX/, I had a court appearance with my ex husband to dissolve and settle the marriage disputes. The only issue that was addressed by the Judge was child custody and child support. I filed a motion for reconsideration. Because of the threats to take my medical license, driver 's license and incarceration, I paid what I could, and contributed to the remaining to the costs of travel, which under Cal code 4062 is considered support. The other party then contacted child support agency, who not only sent income withholding orders to my place of work without a judge 's signature, they put that I was behind XXXX dollars in arrears on my credit report, stated that it was an installment loan. I sent them a letter asking them to release the contract and validation of debt, and they refused to send me that, using terms such as " obligation '' when that means contracted debt or agreement. I also sent them a cease and desist. I submitted a claim to XXXX, XXXX, and Equifax to remove the account. I also noticed it hasnt even been updated, and remaining the same amount. Im submitting this complaint, because they do not have my consent to release this information of my credit report and also refused to release validation of debt. They do not have a signed contract of voluntary obligation of debt. The court case was completed under grounds of lack of jurisdiction and unconstitutionally violated my rights under the Color of Law. This has damaged me severely and will be seeking remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XX/XX/XXXX, Bank of American posted a charge of {$4500.00} to our business account for an item purchased from XXXX XXXX ( XXXX ). The item was delivered the third week of XXXX ; however, we refused delivery as the item was damaged. 

In the past, when we've had similar issues with XXXX  items, they have issued a refund of our money as soon as they have confirmation that their shipping company has possession of the item. We also made sure to call our customer support rep at XXXX to let them know the item is being returned and why. 

Generally, the refund is back in our account within a week. After XXXX weeks of nothing happening, we contacted XXXX and were given the run around about not being able to locate the returned item. We then went ahead and disputed the charge with Bank of America. 

At the end of XXXX, I contacted Bank of America to get a status update because we had been told by XXXX that the refund had been issued. Bank of America told us that they submitted our claim to XXXX 's bank on XX/XX/XXXX and were still waiting for a response. Over the course of the next two plus weeks, we would get conflicting information from Bank of America and from XXXX. 

On XX/XX/XXXX, I was instructed by XXXX to drop the claim we filed as that was the reason the funds were not coming back. They also informed me that they had approved the chargeback dispute and authorized the funds to be sent back to me. They even provided us with a screenshot showing their release/authorization. 

I had multiple calls with Bank of America on XX/XX/XXXX and XXXX about this. I told them what XXXX had said, and that the funds were not with them but with Bank of America. Bank of America refuted that, stating they are a receiving bank and credit funds as soon as they are received. 

In XXXX final effort, I got representatives of Bank of America and XXXX on the phone with me. Bank of America acknowledged that there was a chargeback, but said that no funds were pulled back from XXXX, which is not, from all that we know, possible because the chargeback is the pulling back of funds from XXXX to Bank of America. And XXXX 's records show that the money was reversed back to my bank. 

I contacted XXXX today. They said they have seen nothing from Bank of America and are now telling me I need to get Bank of America to take action because my funds are with the Bank. I am getting extremely frustrating because, contrary to what they are saying, I do believe my money is sitting in a suspense or hold account and they, for whatever reason, are refusing to release it to 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 2023-04-21 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: NV

Complaint narrative:
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 15 U.S. Code 1681 Section 602a states I have the right to privacy 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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. Code 1681s2 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding the way my credit card payments are being distributed between my Regular and Equal Pay/No Interest accounts with Lowes Synchrony Bank XXXX My assumption was that when a payment is made to my credit card, the store purchases are paid off first and the remaining amount is paid towards the Non-Interest amount. However, the bank has it set by default to distribute the payment evenly ( by percentage/or flat {$3.00} minimum? ) between the Regular, interest accruing account and promotional non-interest accruing account. I was not given an option to choose how my monthly payments are distributed. 

When I spoke to a representative about this issue, they stated that I would have to call and file a request to payoff the Regular balance, making XXXX not necessarily auto pay. This is an unreasonable solution, as it puts the burden on the customer to make sure that the payments are being distributed correctly. 

For instance, the account is split between Regular ( {$65.00} ), XXXX XXXX/No Interest ( {$2500.00} ), and XXXX XXXX/No Interest ( {$1100.00} ). I made an Automatic payment of {$120.00}. The payment deductions were as followed for Feb/March/Apr statement : Regular ( - {$3.00} ), Equal Pay/No Interest ( - {$83.00} ), Equal Pay/No Interest ( - {$39.00} ). There is a MINIMUM {$2.00} INTEREST CHARGE. If I weren't to catch of to how my payments were being distributed, this {$65.00} balance in reality would equate to {$100.00} ( {$64.00} purchase + {$44.00} accrued {$2.00} interest over 22 months ). 

( $ XXXX {$3.00} per month ) = ceiling ( XXXX ) = 22 months. 
22 months * {$2.00} INTEREST/MONTH = {$44.00} I believe that this practice is unfair and deceptive, as it prevents customers from paying off their high-interest debt first, and ultimately results in customers paying more interest charges over time. I request that Lowes Synchrony Bank change this practice immediately, and give customers the option to choose how their payments are distributed. 

Thank you for your attention to this matter. Please let me know if you need any additional information from me. 

Sincerely, 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 explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX as I was checking my credit report, my score went down from an XXXX to XXXX. 

There are XXXX mortgage providers for the exact same note collecting at the same time. 
Please note the Credit Report Attached. 

XXXX XXXX XXXX  failed to let m know that they transferred the note in XXXX of XXXX and collected payment to date ( XX/XX/XXXX ). Select Portfolio Services failed to give me notice as the new lender and sent it to the XXXX Address and not my mailing address in XXXX XXXX. Select Portfolio hasn't provided any valid documents to prove they bought it and transferred it via what was recorded at the Assessor 's office. 

Both providers are collecting at the same time putting my status in a Foreclosure status while collecting payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
Representatives OF XXXX XXXX of XXXX XXXX are calling me repeatedly asking me of a person that owes them a loan. That the person put my name as reference. Told them that I did not authorize this person to put me as reference. Told them not to call but they keep calling me and harrassimg me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NV

Complaint narrative:
XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX 15 U.S. Code 1681 Section 602a states I have the right to privacy 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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. Code 1681s2 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and

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 2023-04-22 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: CA

Complaint narrative:
I am writing to formally dispute XXXX hard inquiries on my credit report by XXXX XXXX XXXX It has come to my attention that my credit was checked twice by XXXX. I believe this to be an error on their part, as they took an excessive amount of time processing my application and had inaccurate information in their system. 
During a recent visit to a local XXXXXXXX XXXX branch, I spoke with a manager about the incorrect information on my consumer profile from XXXX XXXX An employee at the branch mentioned that she had experienced the same issue on her profile and attributed it to an outdated system that had not been updated correctly with the new processing system from XXXX. This conversation further supports my concerns about the accuracy of the information on my credit report and the unauthorized inquiries. In addition this concerns me greatly as I am a previous victim of identity theft. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may furnish a consumer report only for permissible purposes, which include a legitimate business need for the information in connection with a business transaction initiated by the consumer. My understanding is that multiple hard inquiries within a short timeframe for the same type of credit product should be treated as a single inquiry. The two inquiries in question were performed on XX/XX/2023, and XX/XX/2023, by XXXX XXXXXXXX XXXX I have not authorized any additional credit inquiries from XXXXXXXX XXXX or any other financial institution during this period. 
Pursuant to the FCRA, 15 U.S.C. 1681i, I request that you investigate this matter and remove the hard inquiries from my credit report. As a consumer, I have the right to dispute incomplete or inaccurate information on my credit report, and consumer reporting agencies must conduct a reasonable investigation to determine whether the disputed information is accurate. 
Please find below my personal identification information to assist in the investigation :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22 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: PA

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

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 2023-04-22 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: PA

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I have a problem obtaining a Apple Card, Ive applied multiple times and dont understand why Im being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I purchased a ring from XXXX XXXX on an XXXX  months no interest plan. The credit is issued by Comenity. I set auto pay through my bank to handle the monthly payments. A few months in I looked at the statement and Comentiy was charging me interest every month. Calling them resulted in no resolution, I addressed the situation with XXXX XXXX and they agree with me and have been calling Comenity with no resolution after 2 months. This has been escalated to XXXX 's district manager and Comenity is not calling them back. 

This is very frustrating and outright theft. They are not abiding by their promotional terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-22 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: SC

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC 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 2023-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I contacted each creditor and all told me that they dont have any information on me about the inquiries thats reporting on my credit report XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you cant verify please delete these unauthorized inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation