vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found out my ideniity was stolen around XXXX near the end or early XXXX and I did Identity I filled theft and fraud with the XXXX XXXX and some other places and I had a lot of accounts that were hacked. They were emails, XXXX accounts, XXXX, XXXX accounts, my school accounts, XXXX account, and they even made accounts in my name.m and they are in my phone still and still do all of this. They put credit cards on my credit and it was right many a couple of loans and a hospital bill cause I know I didnt go to the hospital in XXXX or my son! I have managed to get a few off my credit but some want budge. I dispute them rt often cause they arent mine and I want my credit to go back up XXXX is coming and I need to get presents and cant with out my credit. I am in school and dont make a lot of money. Experian was good at first now they are horrible in my opinion. Some of the employees made a lot of comments on my credit report, so many that I cant make any comments to my defense on the certain credit card or loan that they are commenting on. And today they made a big write up on the front of my credit report and it looks horrible to someone that looks at my credit report. That doesnt know me that maybe hiring me for a job when I graduate. I am going to school for XXXX XXXX and XXXX. That does not look good besides that, theres a privacy issue there, I would like it to be removed along with all of the comments. I have a fraud alert on my reports all three and I will not freeze my reports because I am still getting student loans and I will admit my credit has never been the best, but its never been like this because of all, the credit cards they put on my credit but XXXX trying to get them off. I think that that this has been enough with just the identity thrift but to deal with people thats supposed to help up and it seems all they want to do is bash you is awful. I hope that you go look at my reports! Thank you for listening to me have a good day XXXX XXXX XX/XX/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 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a text message on XX/XX/2022, that a credit card from Bank of America was approved and sent (??? ). I never applied and checked my lock and alert account with XXXX by logging in and calling. I was advised my credit report was never accessed within the past few months. Then on XX/XX/XXXX, I received an e-mail that the credit card was on the way, but I started my vacation in XXXX at my sister 's house. Also, XXXX ( XXXX to XXXX XXXX ) notified me about changes to my credit status the same day. On XX/XX/2022, I called the number in the e-mail provided by Bank of America. I validated my last 4, which confirmed an account was opened that I never made an application to. The person wanted to validate me by providing more PII information. I was not certain if they were scamming as well. I was then told to visit the nearest Bank of America Branch to validate myself there, and they would call the fraud department. I went to the nearest branch in XXXX, XXXX, and spoke with a customer service rep after waiting 45 minutes. It was confirmed that the card was opened in my name and being sent to an address in Florida, which is not in my previous history. The Representative implied my current physical address to the fraud agent, indicating the perpetrator was using a XXXX XXXX XXXX Nonetheless, Bank of America issued credit in my name without a credit report and sent a card to an address that is not in my history. This gives an indication of an insider threat, who may have received my PII from previous breaches ( XXXX & XXXX ). The concern is Bank of America provided credit in my name while my credit report remained locked and more concerned, and sent a credit card to an address that is not in my history. Indeed, my information is floating out there due to no fault on my behalf. However, having a frozen credit report serves as a layer of security to prevent future fraud, which Bank of America is either compromised by insiders or derelict in securing their information systems to allow credit cards to leave their organization without proper validation processes.

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 2022-10-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Our building is a small building with under 20 units condos in XXXX, because this is a very expensive area and just across the XXXX XXXX from New York City, a family of 4 ( husband, wife, mother & father ) using their connection with a loan officer of WELLS FARGO BANK and able to get conventional loan to slowly plotting to rob out the rest of building owners. 

In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The family got the control of XXXX XXXX ( their family got XXXX seats out of XXXX ) they manipulate to increase the monthly maintenance fee to 34 % and add another 34 % assessment fee, they have a way to set a high budget and so. this increase become a big burden to unit owners and make it sounds reasonable. 

Our building is a vintage building, there aren't any special amenities. no elevators, no parking, no gym, no doorman, no swimming, childcare center, no landscape to maintain. and the maintenance fee for the smallest unit + assessment come to $ XXXX and for largest 2 bedroom unit cost $ XXXX. this is just like the cost of high end Coop near XXXX XXXX in XXXX. 
We know we need to take care of the building, we just paid off the earlier assessment around XXXX. But increase aggressively will just became heavy burden to unit owners and satisfied the plot of this family. 

Because of the expensive monthly HOA fee + assessment, many unit owners are fearful and this too discourage any prospective buyers They took advantage of the pandemic moment with a lot of uncertainties and fear. 

During the XXXX and XXXX they bought 6 units ( 5 units CONVENTIONAL LAONS from WELLS FARGO BANK ( public data from the NJ tax record ). They rented all the units out as soon as the deal is closed. 

The president of XXXX XXXX  follow whatever the family 's suggestions and it threatened the other 50 % of the building owners. At this moment he might be in the process of buying from another owner to get more power to control the HOA. ( over 55 % ). 

In XXXX of XXXX the management company send out a " disclosure of sales '' letters to the units owners. meaning, this is the highly rental ratio building and it's impossible to sell because no bank will want to give a loan to a high rented ratio unit. If you review the XXXX  or XXXX review, they have the worst rating, they don't answer regular peoples call or email, but this time, they will take the trouble to send everybody this disclosure letters. 

I hope the Bureau please investigate the WELLS FARGO BANK underwriter and loan officer for the occupancy frauds and the unjust to the rest of condo owners. Thanks!

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 2022-10-31 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: PA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, Congress states that TransUnion who is a Credit reporting agency has assumed a vital role and the banking system is dependent on the fair and accurate reporting of consumer 's information. I did not give TransUnion initial written consent to furnish and report my non public information in which is a result of identity theft. TranUnion has done so without Permissible Purposes from the consumer in violation of the Fair Credit Reporting Act. TransUnion is reporting inaccurate accounts of alleged debt in a positive balance, alleged transactional history between the consumer and the creditor. I demanded these items be deleted and TransUnion failed to do so, they can not receive verification from XXXX  XXXX for I am the only competent witness with firsthand knowledge and facts. My information is being reported under false pretenses with the collusion between TransUnion and XXXX XXXX XXXX XXXX was sent a dispute letter and has not verified any alleged debt.

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 2022-10-31 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: TX

Complaint narrative:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX 's 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 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed

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 2022-10-31 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX # XXXX, XXXX, and XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

18 usc 1028

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2022, I began a My Chase Plan for a {$2400.00} purchase. The terms of the My Chase Plan were XXXX  payments of {$130.00} with no monthly fee. 

On XX/XX/XXXX, my Interest saving balance for my credit card was much higher than expected, and for some reason a large part of the My Chase Plan principal was lumped with this month 's Interest saving balance, leaving a remaining principal of {$190.00} for an 18 month term loan that was originated only ~3 months ago on XX/XX/2022. 

I contacted Chase via phone on XX/XX/XXXX and they said there is nothing they can do to assist, sticking me with a monthly obligation of ~ {$2000.00} higher than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Collections is attempting to collect a debt from me as an individual on a corporate apartment utilities account from XXXX XXXX. The name on this account also does not match mine or any name I have ever had. This has caused a decrease of my credit score on XXXX and XXXX credit bureaus. XXXX has removed this after their investigation. I ask this be removed from my credit reports. This debt does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx 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 2022-10-31 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:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the 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 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed

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 2022-10-31 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: TX

Complaint narrative:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: TX

Complaint narrative:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX Bank 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 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed

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 2022-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
Today XX/XX/2022 I was contacted via text from XXXX XXXX XXXX. They said they were reaching out in regards to a collection with no information about the collection with a reference number, and then provided a different number to call regarding the collection that phone number is XXXX XXXX. Theyre referring to the reference number of XXXX. 
I have no knowledge of this collection reference number or account they are referring too. They also provide a website at fncbinc.com. At this time I believe this is a fraud collector, and would like to report this organization. They also misspelled my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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