vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 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: AL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-04-06 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: AL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : 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, 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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I called XXXX XXXX on XX/XX/2022 because Professional Debt Mediation is reporting that I owe them {$190.00}. XXXX confirmed that I dont owe them or PDM. We called PDM and the manager wouldnt talk to them because I was on the phone. I dont owe PDM but theyre reporting a closed account with a {$190.00} balance on XXXX and open owing {$190.00} on XXXX. I did not have any services with PDM. I need this removed from my credit report ASAP. Im not paying PDM anything because XXXX was paid in full months ago. Their reporting is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had two accounts with Capital One and I sent my payments on time every time with automated payments. For some reason they moved the payment from this account to the other account. So, there were two payments made on the other account and none on this one. When i called and complained they fixed the issue in the next month after i received a notification and though they told me on the phone that they would remove teh late notification, they never did. I want Capital one to check both accounts and verify what happened and then correct the error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a bank of american XXXX XXXX  card and I received an email on XX/XX/XXXX about a Bank Amerideal of making 2 payments on XXXX XXXX XXXX of XXXX each to get a cash back of {$75.00}. I made the payments on XX/XX/XXXX ( posted on XX/XX/XXXX ) of XXXX each and got an email from Bofa confirming that it triggered cashback. I didn't receive any cash back in my account for over a month and followed up several times but no one is willing to help on customer care services. I am requesting BofA to honor the {$75.00} cashback they adverstised as part of this promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06 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: AL

Complaint narrative:
1 ) Experian fails to correct reporting issues from XXXX now XXXX  student loan services without investigating. XXXX reports a balance owed as {$150000.00} for attending XXXX XXXX. These are fraudulent charges for attending 1.5 years without getting a XXXX  due to increased intuition and change program plan. 2 ) reporting XXXXXXXX XXXX XXXX Bad reporting has affected my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Porsche Financial Services, Inc.
State: PA

Complaint narrative:
On the XXXX of XX/XX/2022 I went to Lamborghini XXXX dealership for a consumer credit transaction and was denied and I was asked about my XXXX XXXX identification documents other rights were violated in the truth in lending act, XXXX, and etc by both parties Lamborghini XXXX and Porsche financial..both partys failed to comply with 15 U.S. Code 1611 and committed several acts pursuant to XXXX5 U.S. Code 1692e 1. I provided my bank account statements as requested by Lamborghini XXXX because I was self employed then I told them the organization/Corporation that supports me financially is a religious/education related purposes corporation/private organization and they intervened by asking what does ( it ; you ) ( organization ) do and then asked to see that bank account for the organization..TILA prohibits creditors from acting in a self-seeking manner XXXX especially when to the detriment of the client..I was Discouraged from continuing the credit application with 0 ( zero ) money down by Lamborghini XXXX dealershipLamborghini XXXX representatives kept saying you not going to get approved I already you are going to get deniedyou got to put some money down..also said verbally your denied because you have no credit or a previous + $ XXXX installment loanI Am only Exercising in good faith The rights under the Consumer Credit Protection Act and Enforcement of the Truth in Lending act..I have audio for the recording stating that vehicle I wanted has a finance charge..I called one of the companies the dealership sent my file to called Porsche Financial I asked them for a financial manager/supervisor and they would not transfer me and kept saying we cant assist youa woman I spoke to hung up on me ( recorded audio ) ..after several attempts I got to someone that assisted me with taking my information about my credit transaction in the underwriting department..name was XXXX ( XXXX ) XXXX said that he would pass on the information and contact the dealershipLamborghini XXXX told me that Porsche financial requirements a down payment at least {$100000.00} ( audio ) more information/evidence/discovery will be disclosed if I file a complaint in federal court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Today, XX/XX/2022, I received a new credit card from Bank of America. The company which claimed I opened the card with is XXXX. I never heard of this company before. The total credit line is for {$7500.00} and they charged me {$59.00} on the card for the privilege of opening the account. I did not open this account. My name is spelled incorrectly on the card. Bank of America told me they will close the account and reverse the {$59.00} charge. Through research, I found I should also report this incident on this site.

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 2022-04-06 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: MS

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 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
Consumer complaint received 2022-04-06 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: MS

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX please see all enclosed documentation that all 3 bureaus failed to respond to and on. Enclosed is FTC complaints and reports regarding delinquent accounts posted to my credit report along with no response that has been included within 30 days.

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 2022-04-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Better Mortgage, Inc.
State: WA

Complaint narrative:
Records show my XXXX XXXX bankruptcy with a date of XX/XX/XXXX and its impacting my credit. Ive applied for several loans, credit cards and a refinance of my home and not letting me get these lans because of it. Its almost XXXX  years ago and it has an adverse effect to my credit score. It keeps popping up on my credit report as a negative. 
I also a XXXX XXXX  dated for XX/XX/XXXX thats negatively effecting my credit. Its also popping up as a negative on loan applications. The loan agencies Ive connected with all say the 2 issues above are connected somehow. 
Can you please help me with this matter? 
Im attaching the bankruptcy discharge, XXXX XXXX showing a zero balance. Please help me resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
After reviewing my credit file, i saw that i have too many inquiries that were not authorized by me, but my guess it is that when i applied for a car loan, they shopped around my SSN, therefore it resulted to about more than a dozen inquiries witch is hurting my credit file

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 2022-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: FL

Complaint narrative:
I owed {$100.00} on the balance and was making payments. I haven't received a bill in the mail in over a year so I took it that this debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Paid off Barclaycard XXXX months ago, but it held processing to accrue late fee charges, then Barclaycard discontinued sending paper statements and changed credit card account without sending credit card replacement. 

Unaware, Barclaycard account went from zero to {$170.00} from entire late fees and APR penalty increase without a single purchase or cause for charge. 

Five hours of customer service calls, Barclaycard refuses to give me any paper document other than a discontinuation letter of notice which it threatens to negatively impact my credit rating. 

I may need to file lawsuit through Small Claims to get Barclaycard 's attention to stop wrongly harassing me and having their collections phone me on weekends at XXXX. 

The only information that I have from Barclaycard about the account number are the last four digits so I can't even write to Customer Service for help as there is no account to refer to, and when I received the one document in the mail it was poorly printed from someone's home computer so appeared to be a phishing scam but I called the direct number from Barclaycard web site and there is this problematic issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have tried numerous times ( twice by mail, and twice by phone ) to set up automatic payments with this lender. They told me both times it would process, leading me to miss the payment date by two three days on two occasions. The company does not have any online system or account management system, and make the lender rely on guess work to whether or not the payment would be made. I have otherwise perfect credit and refuse and dispute this company 's attempts to ruin my credit, or charge my any fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06 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: TX

Complaint narrative:
Hi, My name is XXXX XXXX please see all enclosed documentation that all 3 bureaus failed to respond to and on. Enclosed is FTC complaints and reports regarding delinquent accounts posted to my credit report along with no response that has been included within 30 days.

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 2022-04-06 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: TX

Complaint narrative:
Hi, My name is XXXX XXXX please see all enclosed documentation that all 3 bureaus failed to respond to and on. Enclosed is FTC complaints and reports regarding delinquent accounts posted to my credit report along with no response that has been included within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am a partner in a XXXX XXXX XXXX and in XX/XX/XXXX we applied for a XXXX account with Coinbase. We signed an agreement and provided all documentation required. We have followed up with Coinbase Client Onboarding and the agent XXXX XXXX of Coinbase over XXXX times by email, sometimes multiple times in a day to open the account. The Coinbase Website advertises Private Accounts for companies such as our XXXX and XXXX, but there is no way to reach anyone in customer service at Coinbase that is familiar with the accounts such as these that are advertised and their Website complaint system is a loop that never leads you to a person who can resolve the issue. I filed a complaint with Coinbase on XX/XX/XXXX, and after three weeks they contacted me by email to ask for additional documents which were all sent to them on XX/XX/XXXX. On XX/XX/XXXX, a request was made to sign the application agreement again, although they did not provide a link for signature. We advised them that the agreement was signed for a second time in XXXX XXXX  XXXX, and then they followed up in an email saying they had everything they needed. We still have no account after 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 6 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 BANK XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

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 2022-04-06 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: NY

Complaint narrative:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 6 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 2022-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A cybercriminal took out {XXXX} from my account. The Bank refused to waive this charge. My counsel advised me to immediately close this account. The bank blocked this account but charged me the entire amount and interest charge and finance charge. 
Under these circumstances, I took a loan of XXXX} from my father and paid this bank on XX/XX/2022. 
Nevertheless, the bank refused to close my account and let me take out my money. 
The name of the bank is City bank., XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX New York 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 monetary relief