vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: NC

Complaint narrative:
I wish to remove inaccurate personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. In addition, according to 15 USC 6802, no financial institution is supposed to share my information with a third party.

These are clear violations of my federally protected consumer rights.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # 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 an 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 than 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.

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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I submitted a certified letter to the company on XX/XX/XXXX which was received on XX/XX/XXXX requesting validation of debt which they did not response tracking # XXXX it has now been over 30 days with no response However I did receive a letter that they were updating my address which has nothing to do with my request I did submit a second request on XX/XX/XXXX tracking # XXXX received XXXX for a follow up letter for refusal of validation and this needs to be deleted from all XXXX  credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Collection Services, LLC
State: NY

Complaint narrative:
XXXX  bill was send to my attorney at law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
On XX/XX/22, I had a {$100.00} charge " XXXX XXXX, '' which paid for my Global Entry fee renewal. XXXX of the benefits of the American Express Platinum card is a refund for paying the Global Entry fee. Per AMEX 's Terms & Conditions, the charge would be credited within XXXX weeks of posting. Here is the language, directly from AMEX : If you do not see a credit for a qualifying purchase on your eligible XXXX after XXXX weeks, simply call the number on the back of your XXXX. XXXX XXXX are responsible for payment of all application charges until the statement credit posts to the XXXX account. 

Unfortunately, over XXXX weeks have passed ( actually XXXX weeks ) and I have yet to receive my credit, even after contacting AMEX XXXX regarding the issue. 

All I am asking for is the credit on my account ASAP, which is what AMEX promised to do in their own Terms & Conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
Inaccurate date on last payment.Last payment was made on XX/XX/2015 but creditor has reported XX/XX/2015. 
Reporting credit company has no done sufficient investigations

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 2022-05-05 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 n 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 XXXX 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 2022-05-05 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 n i made this clear for XXXX 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 2022-05-05 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: SC

Complaint narrative:
On XXXX XXXX I received a letter from the US Bankruptcy court in response to a letter I sent them in reference to requesting if they have submitted any information about the bankruptcy reporting on my consumer record. Us Bankruptcy notified me stating they do not supply any information to the credit bureaus. On XXXX I received notification from XXXX XXXX from my request prior to opt out, stated US Bankruptcy court did not furnish my personal information to their agency. XXXX XXXX the furnisher for public records deleted the bankruptcy from the agency records. 

On XXXX I submitted a letter to Experian and XXXX requesting information from the bureaus. Experian responded remain but XXXX have not submitted the results. Experian have not properly investigated the account based on the fact the Furnisher who remove the bankruptcy. 
This a violation of my right for privacy. According to 15 USC 1681a ( e ) - this is a direct violation of my right for privacy.

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 2022-05-05 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 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 2022-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase sent me a notice letter saying that my account would be closed when I recently opened it XXXX days ago. I deposited {$12000.00} cash into the account at a branch and all of the sudden XXXX day later I get a notice letter for account closure without any explanation. They have blocked me from accessing my funds completely. I called multiple times and even went to the branch for them just to deny giving me my money back. Ive showed them my deposit receipt and all documents that they needed and they still denied giving me my money back. I am very upset and do not have access to no money completely because chase has blocked me from using it. I have bills due and I cant pay them because they have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by XXXX, XXXX, Transunion, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX  upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )

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 2022-05-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I had XXXX companies pull my credit report in the last year, equifax reported to my car insurance that I had too many credit inquiries. That is outrageous! XXXX credit pulls in Order to refinance our mortgage. Also, that my oldest credit account has been open for a short time. Also, outrageous. I have had my credit accounts for years. Also, insufficient time since last retail account. Also outrageous. I have had my retail accounts for years. I use the same XXXX credit accounts when I shop and pay the balance in full each statement. I want this fixed. I have a score of XXXX and I have a credit monitoring service. I want these errors on my report fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Mountain America Credit Union has a block on my credit card. They stated that my car loan is passed due 60 days and all of my accounts have been blocked by Mountain America Credit Union. They have denied me access to my accounts which I have been making payments on other than the car which was voluntarily surrendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
I filed an identity theft XXXX  report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
I filed an identity theft XXXX report. I have repeatedly tried to communicate with the company about inaccurate information reporting on my file. No communication has ever been received after multiple attempts and no one is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: AR

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

XXXX XXXX XXXX lost a lawsuit due to illegally charging interests and fees on loans. I was refunded {$1400.00} for part of interest and fee due to their illegal practices. 

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.

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 explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I just completed chapter 13 bankruptcy in XXXX of XXXX. I tried working with credit repair to see if they could help me quicker restore my credit, I think in XXXX of XXXX, I started with them. 

I think I called credit repair and they told me about me owing this Genesis FS Card. I called Genesis and they suggest I file a fraudulent claim. I so not recall getting anything with this card, never received a bill stating what was owed and what for. 

I will appreciate anything you can do to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 I received several emails from Well Fargo regarding opening a checking account online. The last email I received was confirming I updated my contact info. On XXXX I visited a Wells Fargo branch here in XXXX to inquire if an account was opened in my name and if so how to close it and report it as identity theft. After confirming an account was opened in my name Wells Fargo locked the account and informed me it would be closed by 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 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this HUNTER WARFIELD account. I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights. It is not correct to manipulate the reporting by increasing the balance they say that I owed even they havent shown documentation. I directly contacted them countless times but I did not hear anything from them. Based on the report that generated the original balance is $ {$3500.00} but as of this writing it is now reported to {$4500.00}. As far as I know I never agree on any terms and condition for this reporting nor I did not agree for any interest that will be assessed on this account. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and altering my true creditworthiness. Im escalating this matter to your office to have this matter resolved in a right manner. I believe that you can correct this error as Consumer Financial Protection Bureau is not tolerating such incorrect reporting that damaging consumers right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST CENTENNIAL MORTGAGE CORP
State: IL

Complaint narrative:
Applied for a refinance with First Centennial Mortgage company in XXXX and submitted all necessary paperwork for the loan. Credit was pulled at the time. Shortly after, received a conditional approval for the loan. 

To date, I have received no response to my application because underwriting at First Centennial Mortgage requested for a second appraisal on my home. I feel that perhaps I was targeted as a minority ( XXXX ) for the second appraisal review. I would like to see how many others have had to go through a second appraisal process and the mix of ethnicity. My loan officer mentioned that he has never seen a second request for an appraisal review before. There were questions regarding the first appraisal which were answered by the appraiser but now, my application is in limbo. 

Since then, interest rates have increased and I have NO other communication on my application. I suspect now things fall through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is changing me {$140.00} in overdraft fees on approximately {$20.00} in transactions. I spoke to customer service and spoke to XXXX ID # XXXX. She identified herself as a Manager of Small Business Customer Service. She refused to eliminate all or a portion of the fees even though she stated the policy had been updated to reduce the fees and go into effect in XXXX. 

I asked her several times and she refused. These fees are ridiculous. I have since put enough money to cover the transactions, but not the fees. I am now at a branch waiting to see if the manager will do anything here.

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