vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
While under the impression of working for a company I was instructed to deposit a check of {$1800.00} and use some of the money, {$1700.00} to pay an advertising company as part of the training. On XX/XX/2022 I deposited a check at Bank of America and I withdrew the {$1700.00} on XX/XX/2022 after the funds had become available. The {$1700.00} was transmitted to the advertising agency per XXXX ATM. On XX/XX/2022 I was informed by the Bank that a sum of {$1800.00} was put on hold and on XX/XX/2022 that same sum was declined, the bank saying the initial check was fraudulent. 

My complaint is this, why would the funds become available for me to use if the check was not valid? It is not a safe or correct business practice to allow one to have access to funds and then take them back, this implies that the bank allows fraudulent checks to be deposited and in such scenarios it only hurts the customer. Instead of verifying the check and making the funds unavailable until the check cleared I was under the assumption that the check was valid and good since the bank informed me I could use the money once the funds became available. When I asked the manager of my local Bank of America they informed me that it usually takes 4-5 business days until a check clears, this is not a notification I have received before when depositing a check before, and if this is indeed the case why is the customer not notified? In the past I was only notified once my funds became available, not that the checks were clear or not. 

Now I have a bank account in the negative, since the bank has decided to take {$1800.00} from my account even though they had given me access to before verifying the check. Had the funds from the check been held until the check cleared that would not have been an issue. I do not believe that the customer should suffer the difference from such a situation, it should be the responsibility of the bank to make up the lost money if they give access to it before the verification. This transaction system does not provide a strong security to the consumer and it leaves it open to fraud cases such as this. It leaves the consumer open to fraud and in addition they make the customer pay. 

In this case the bank 's system failed to protect it's assets and mine by not verifying the check and the bank then transferred the responsibility and price of the mistake onto the customer.

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 2022-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
well the XXXX XXXX  doesn't want to remove the account of my credit report I did a Settlement and they asept it 30 day ago this is the settlement

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I went to check my credit score for a program I am going to participate in. I can not get my score, I have tried 3-4 places ; experian, XXXX, my bank XXXX XXXX XXXX XXXX. Each one can not give me my credit score, frustrated I decided to try again later. 
Today XX/XX/XXXX I go to check and spend more time trying to get my score over the phone and on websites and apps of the previously mentioned companies. Nothing came up, on XXXX it said I had some sort of installment account opend XX/XX/XXXX and listed options. None of which I did or have. So I selected none of the above. 
2nd question asked about monthly payment, which I selected none again because I don't have any payments. 
3rd question asked about a XXXX  loan XX/XX/XXXX which I have none and selected none of the above again. 
4th question is about a mortgage loan in XX/XX/XXXX. I don't own a home and I am paying rent each month to a landlord. 
Also the third time I did this step the question concerning XX/XX/XXXX debts was about a car loan and now it says XXXX  loan. 
Then it says We can't complete your request at this time. Please call the Customer Care team. 
I call the number and can't get ahold of a person to talk to, the phone line says only selected individuals with certain needs can speak to customer care. I called several times using different prompts to try and reach customer service. 
I believe it might be fraud holding me up on getting my score because of the questions asked about my credit account that I have never done before, like the carXXXX loan and mortgage.

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 2022-09-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I Contacted Equifax XX/XX/22 at XXXX the called lasted approximately 1 hour and 11 minutes. 

During the call I explained that my rights as a consumer were being broken and Equifax was not upholding FCRA Laws as our conversation went out stated that you are correct the amount is not they have not given us any information you need to provide us with that information when in fact the law states. My consumer file is being irresponsibly tampered with over the past 2 years, I have made multiple attempts to remedy this issue as a duty pursuant 15 USC 1681. you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations ... all the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus i know that it can not be verified or validated. 

Which lead me to writing this complaint in attempts to rectify this inaccurate reporting information so i can be able to go upon my life. If not I will seek LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Delete Collections from XXXX  XXXX from XX/XX/2020. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 USC 1692b Not state that such consumer owes any debt ; XXXX A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
Best Regards, 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 2022-09-14 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX I am natural person, I am a living human being, I have right under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my right numerous of times. I demand the accounts listed be be remove because According to 15 USC 1681. I have the right to privacy and i did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: MO

Complaint narrative:
I had an account with Upgrade and paid it in full on XX/XX/2022. Prior to the account closing I was on a hardship plan and no payments were ever missed. Upgrade has sent two credit correction letters to the credit bureaus to have my payment history corrected. Both times the correction was made, but I am having this problem again this month. Why is Upgrade still reporting anything on me and my account is closed and was closed last month when I reported the same issue to them. If my account is closed Upgrade should not be reporting anything to the bureaus, but they continue to do so and it is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I never filed these bankruptcys please have them send or show proof that this is mine which is not but a mistaken identity. My name I think was used a mistaken identity my name is XXXX XXXX XXXX which is on my certificate of birth. 

Not ( XXXX ) Please have them remove this incorrect information that is causing me financial problems. There is already a inflation and this is not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I never filed these bankruptcys please have them send or show proof that this is mine which is not but a mistaken identity. My name I think was used a mistaken identity my name is XXXX XXXX XXXX which is on my certificate of birth. 

Not ( XXXX ) Please have them remove this incorrect information that is causing me financial problems. There is already a inflation and this is not helping.

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 2022-09-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
called Nissan motor, car loan on my credit reports shows closed and they keep updated every month up to date with C/O TILL this date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: TX

Complaint narrative:
I have several inquiries on my reports that I did not authorize and do not recognize including : TransUnion Report XXXXXXXX XXXX/ Inquiry date XX/XX/XXXX *XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXX  / Inquiry date XX/XX/XXXX XXXX XXXX /Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXXXXXX XXXXXXXX / Inquiry date XX/XX/XXXX *XXXX XXXX XXXX/ Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXXa/ Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXXt / Inquiry date 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 2022-09-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several inquiries on my reports that I did not authorize and do not recognize including : XXXX Report XXXXXXXX XXXX/ Inquiry date XX/XX/XXXX *XXXX XXXX XXXX XXXX date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX /Inquiry date XX/XX/XXXX Experian Report XXXXExperian XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX/ Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXX / Inquiry date 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 non-monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have asked for PROOF of " validation of a XXXX XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " XXXX and Lexis Nexis '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I contacted Ally to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from Ally stating they were making a negative entry to my credit report. I called Ally and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about Ally correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from Ally Corporate relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking Ally to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.

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 2022-09-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
I filled out some information online to see what things I would need to do to start preparing for buying a mortgage. I started to get calls from Rocket Mortgage immediately to which I answered the call and it was a woman named XXXX XXXX. We had about a 30 minute discussion arounXXXX XXXX XXXX  MST and she then told me that she would be calling me back within an hour to discuss a plan on how to prepare for buying in a couple of years as I am NOT buying until then. The call never came. The next day she called me and I told her that I waited for her call the previous day and not getting it and her calling me the next day that I no longer wanted to speak to her, hear my options or be in communication to please not contact me again. The previous day when we did speak I had already told her I work from home and needed to do things via email for the most part and to please email not call and that her not even listening to me on that after she didn't call back when she said she would is not what I am looking for. That if someone says something and it is business related I expect follow through and not to have to deal with someone that does not listen. I told her all of this when she called the next day and then she proceeded to still send emails anyway. In those emails she would start it out with " per our conversation I am following up with you on '' .... Per our conversation AND an email I sent to her I asked her to STOP contacting me and she did not have my permission to run my credit ever again and to basically leave me alone. Here we are a few weeks later and this woman has not stopped contacting me. I sent another email asking her to stop and stating that I will be seeking legal action. This is harassment and not acceptable. She has my information and is untrustworthy having people 's information. In the email that was recently sent, it said to allow any inquiries on my credit from Rocket Mortgage and this is AFTER I already told her to stop on the last phone call I had with her and via email. She is blatantly ignoring my requests and proceeding to do as she wishes with my information. This is illegal. I have told her to stop verbally and in writing. Her name is XXXX XXXX with Rocket Mortgage. This is her contact information ( XXXX ) XXXX ext. XXXX ; Email XXXX Her NMLS is XXXX Please make her stop. She does not listen to me and she is abusing access to my information. This is not ok or acceptable treatment of any potential client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX  several times via mail and through the Consumer Finance and the company does not provide the proof and the investigation needed to have this fraudulent account posted to my credit report on all credit reporting agencies. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.

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 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I moved out of California a year ago. I contacted all of my utility companies to pay the final bills. I was told by XXXXXXXX XXXX XXXX  that I had a XXXX balance and the account was closed. I was then sent to collections and notified by the collection agency that there was an outstanding balance of {$270.00} a few months ago. I immediately paid it and asked XXXXXXXX XXXX  XXXX to remove from my credit report because I had never received a bill. They said they would be willing but I would have to ask the collection agency to do so. I tried but they also said XXXX XXXX XXXX would have to do so. At this point I don't know who to ask but this should be removed from my credit report regardless as I never received the bill and paid it as soon as I was made aware. I have a perfect credit history for over 20 years aside from this ridiculousness.

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