vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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: I.C. System, Inc.
State: TX

Complaint narrative:
I filed a dispute in regards to inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I have not received any investigation results.

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 2022-04-21 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-21 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 my account without 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 2022-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 my account without 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 2022-04-21 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: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi Bank has changed when the new quarter begins on Citi Simplicity card. The new change adds unfairly additional debt to peoples monthly statements The higher balances are harder to pay off and Citi bank reaps additional profits for people make only the minimal payments. They are charged a percentage rate based on the unpaid balance that in this case would be much hire then before because the new quarter or statement begins later then before.The two additional days adds up for a total of five days before the cut off for the new statement begins.Before there would only be a total of two days before the new quarter or statement begins.The quarter used to end on the XXXX and the new monthly statement or quarter would begin on the XXXX. The payment was due on the XXXX of the month. There would only be two day of additional debt being add onto the old statement. Now there is a total of five days instead of just the two for additional debt being added to the old credit card bill. This makes it more difficult for people to completely pay off their bills and the credit card company makes a huge profit charging interest on the unpaid balance. What a scam. For people struggling to make minimum payment -- They are getting royally screwed Citi makes more money on this scam then by charging late fees! You need to get them to reverse this and have the quarter end on the XXXX instead XXXX. There only two days after due date before the new quarter or statement begins.

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 2022-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: NV

Complaint narrative:
I initially applied for a mortgage loan with American Financial Network. 
I gave a Sr Loan Officer there by the name of XXXX XXXX ( XXXX # XXXX ) my information. 

She ( XXXX ) initially replied back with Pre Approval with different options ( including Down Payment Assistance options as well as Conventional Mortgage. ) I replied with there are some items on my credit report pulled that are incorrect. 
She instructed me to send in proof documents detailing incorrect information/accounts. 
I sent all documents back in & notified her through Email & text message. 

This was over a week ago & I repeatedly tried calling, texting & Email but no response. 
I attempted another call this morning & my call was blocked this morning. 

This lack of communication from loan officer/ mortgage lender I feel is completely unacceptable business practices. 

I'm sending this complaint via online. 
However, I do have proof of my numerous communication attempts to furnish if needed. 

Thank you for your time

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CO

Complaint narrative:
I was looking into refinancing my mortgage and my mortgage company checked my credit report. This was Authorized. The next morning, I started getting calls, like at this point over XXXX in an hour, from financial companies trying to refinance my loan. This means that some sort of information about why my credit was pulled was sold off to other third parties as some sort of paid alert. This was not authorized. I do not get a choice to have my very personal information in these credit bureau 's but now am I to believe that it is not criminal for these same companies to sell my activity to others with my phone number, name and reason why my credit was pulled? This is something I am told I need to opt out of? NO, I don't opt out, that should be the default. All three companies did this?

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 2022-04-21 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: ME

Complaint narrative:
I WAS PREVIOUSLY AN AUTHORIZED USER ONE OF MY EX-HUSBAND 'S CREDIT CARD ACCOUNTS ; HOWEVER, I REMOVED MYSELF FROM THIS ACCOUNT A MONTH AGO, YET IT IS STILL SHOWING ON MY CREDIT REPORTS. THIS IS THE XXXX CARD ACCOUNT. IT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY. I AM NO LONGER AN AUTHORIZED USER ON THIS ACCOUNT, I HAVE NOTHING TO DO WITH THIS ACCOUNT, AND I AM NOT RESPONSIBLE FOR IT. I HAVE ATTACHED SCREEN SHOTS OF THE ACCOUNT AS IT SHOWS ON MY CREDIT REPORTS. AGAIN, THIS IS THE XXXX CARD ACCOUNT THAT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY AS I AM NO LONGER AN AUTHORIZED USER ON IT AND IT IS NOT MY RESPONSIBILITY.

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 2022-04-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX : account number XXXX XXXX XXXX XXXX  : account number XXXX XXXX XXXX XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXXXXXXXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my written my 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 explanation
Consumer complaint received 2022-04-21 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: FL

Complaint narrative:
I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( XXXX, XXXX, TRANSUNION ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.

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 2022-04-21 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: FL

Complaint narrative:
I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( XXXX, EQUIFAX, XXXX ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To Whom It May Concern : I have repeatedly called Merrill Lynch to ask for funds out of my account and they continually keep telling me " 24-48hours '' and every time I ask them to call me back or keep me updated and they never respond. 

I do have two accounts with them ( XXXX is functioning properly ) however on the account in question, I transferred {$3000.00} on XXXX and as of writing this today XX/XX/21 they have still frozen/locked the money. 

What can I do? Please help, 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 2022-04-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX for {$140.00} ; # XXXX for {$3200.00} ; # XXXX for {$140.00} ; and # XXXX for {$250.00} XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Systems 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, 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 explanation
Consumer complaint received 2022-04-21 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: SC

Complaint narrative:
In accordance with the fair credit reporting act INQUIRY below has violated my rights : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 602 A : It also states that a consumer reporting agency can not furnish an INQUIRY 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 explanation
Consumer complaint received 2022-04-21 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: SC

Complaint narrative:
In accordance with the fair credit reporting act INQUIRY below has violated my rights : XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 602 A : It also states that a consumer reporting agency can not furnish an INQUIRY without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I used Zelle on my XXXX  bill pay feature to send {$500.00} to my sister on XX/XX/XXXX. She used Zelle on her credit union 's bill pay feature to reimburse me yesterday, XX/XX/XXXX, @ XXXX XXXX. Since then she and I have gone back and forth with our financial institutions to determine why I haven't received the {$500.00}. Her credit union confirmed that the funds were deducted from her account and credited to my account. However, the funds are not there, in my account. Not the financial institutions nor Zelle will take responsibility for this fiasco. They've set up a merry-go-round of excuses as to why your money is lost and gone, tough luck. Zelle is a XXXX party subcontractor with my bank, XXXX XXXX. Many banks offer this so-called " service. '' When you have an issue with this " service, '' the bank blames Zelle, Zelle blames the bank, and they both blame the consumer. I noticed there are XXXX of complaints representing an untold amount of consumers ' hard-earned cash regarding Zelle and banks that misrepresent the ease and reliability of the service. Zelle typically responds that basically the consumer is too stupid to understand how to use the service. The bank must have a list of reasons why it's the customer 's fault that the money seems to now be lost in cyberspace. They include that the customer must've done something wrong or that Zelle has an " instant '' pay option and a " standard '' pay option - NONE of that instant/standard information is prominently displayed by Zelle OR by the banks. This company, Zelle, needs to be investigated by the XXXX, the XXXX, and all State Attorneys General! The Banks should also be investigated in the same way. This is fraud and willful misrepresentation on the public and frankly, we're sick to death of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
I am applying for a VA loan with Caliber Home Loans. I meet all qualification criteria and intend to occupy this home as my primary residence. However, my loan officer told me Caliber Home Loans does not believe I will occupy this as my residence and has rejected my application. They are discriminating against me and not taking my intent to occupy on face value because I am a property manager and own multiple homes. They believe I am lying and will buy this as in investment home. I do intend to move in, and I have told them that I am downsizing because my son is going to XXXX  and we need to move closer to the school our girl 's attend to reduce our commute time. My closing is on XX/XX/XXXX and I am in jeopardy of missing my closing date. Since they have delayed this process, if I go with another lender my interest rate will increase by more than 1 %. This is very stressful and I do not believe they are acting ethically. As a veteran, I served my country and now my integrity is being questioned and I can not get a loan simply for the fact that the underwriter does not believe I will be moving in the home. Please help me so I can move forward with closing on, thank you so much.

Company response to consumer: Closed with explanation