vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On my report they are showing 3 days late in 2021. They are also reporting inaccurate balance and amounts. This is a time share and is reporting as a mortgage. Prior to the late reporting they sent in, they never reported any on time payments.

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 2022-12-06 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: CA

Complaint narrative:
On XX/XX/2022 my bank which provides free alerts for me notified me about a hard credit check by Bank of America. I did not authorize this so immediately on the same day, I called B of A and told them it was not me who authorized them to both do a credit check and open a new credit card in my name. They quickly cancelled the card and told me they would take it from there. In addition, I immediately joined the 3 major credit bureaus XXXX, XXXX, and XXXX and put a freeze/lock on my credit. I also called my bank to put a verbal password on it. I believe the credit check only appeared on XXXX and Ive since called them and reported the fraud. They have or will have it removed. XXXX asked me to report it with your services here as well. Thank 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 non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This account belonged to my sister. Who passed away. The account then became mine. Beginning in XXXX XXXX XXXX XXXX began withdrawing money under the name XXXX XXXX ( XXXX ) for a total amount of XXXX. Ive received a partial refund. But no where near the amount stolen. The transactions were caught XX/XX/2022. Wells Fargo is the bank.

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 2022-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached 5 letters of accounts that are reporting errors and inaccuracies on my credit report and are damaging my life, please delete these items and update my personal info

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 2022-12-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Expressed several time to this company about how in 2012 I had identity theft, the IRS has this on file as I was victim and was provided the tax advocate to investigate the problem to stop the thief from getting my money since then I've seen all types of credit and hard inquires. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MOHELA
State: NY

Complaint narrative:
I have submitted a dispute on student loan in XXXX  with XXXX for the late payments in XXXX and XXXX. They removed the XXXX one because I told them I was struggling to pay it off as being a resident during the covid time. Now I'm settled as a XXXX, I can pay the loans. 

They had removed the one in XXXX but not the one in XXXX. I tried calling the XXXX  mohela and 3 times they told they'll call back with issue. Three times they told the supervise will all me back but they haven't reached back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Last week we logged into an account we do not use much, it is solely for paying the mortgage, maintenance and taxes on a building. That is when we found fraudulent activity, where someone was able to clearly get in via online banking, link other accounts such as XXXX, XXXX, etc to pay off bills ( likely from a stolen identity ). We notified M & T immediately, went to the branch, got them involved, and signed all documents. They started to state it could be internal hacking on our side. We are a software company -- and know we are fully protected, but for proof, we ran full scans of our network, of the only computer that could access the account, and came up 100 % clean. Our network is locked down and secure. Furthermore, the bank could easily check IP Addresses that logged into the account, and beyond that, see there are multiple credit card payments made from our account rope in those companies and see who holds those cards. All they keep saying is " its under investigation ''. They sent a letter today refusing the credits, but their VP said " its still being investigated ''. In a matter of 2 weeks, there was over {$11000.00} stolen from my account. XX/XX/XXXX {$1300.00} paid to XXXX. XX/XX/XXXX {$9500.00} paid to XXXX. And XX/XX/XXXX {$980.00} paid to XXXX again. I am beyond disgusted that they are refusing to refund the money, and keep telling me its under investigation, and could be for up to 90 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX  XXXX XXXX Account 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 2022-12-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Comerica
State: CO

Complaint narrative:
In the process of resolving a disputed transaction that occurred on XX/XX/XXXX ( for the amt of {$600.00} ) Direct Express, on XX/XX/XXXX, withdrew {$600.00} in total from my account, deposited only {$300.00} immediately there after ( which hasn't cleared as of the date of this complaint ), and justified its actions via phone call to their customer service Dispute Resolution Dept as the being part of the decision to only allow me to recoup one part of the financial losses that occurred on XX/XX/XXXX. 

The disputed financial loss that is in dispute occurred from an XXXXXXXX XXXX that retracted the withdrawn amount due to timing out. I waited a few days to address the occurrence with the XXXX XXXX due to my thinking that the return of the credit would happen automatically. After a few days of the credit not posting for pending, i called the company and was informed that the only recourse for me was to contact my financial institution and dispute the transaction. They opened a case file and gave me the reference number to forward to my financial institution so they could use it in their investigation. When I called Direct Express the next day, I learned there was an additional ATM withdrawal that I wasn't aware of. I called XXXX again and informed them of that problem and they gave me a separate case number for that problem. It was also described by XXXX as a computer glitch. 

Direct Express provisionally resolved the dispute on XX/XX/XXXX and then later retracted that recoupment without posting the retractment to my account as a - XXXX Their process requires dispute documentation to be returned in a timely manner in order for the provisional credit to be made into an actual credit. That did not occur so the credit disappeared. This made it difficult for the service agent to adequately assist me in gathering information when I called on XXXX about the transactions. I was giving them more information than they had readily available to them. 
Revolving balance accounts are not available on the consumer side of Direct Express ' transaction records- otherwise I could attach documents that show the provisional credit was withdrawn from my account. As it stands it's only my word that i can offer. 

On XX/XX/XXXX, i sent in the dispute documentation via email and on XX/XX/XXXX another credit totalling {$600.00} was deposited to my account and was withdrawn on XX/XX/XXXX. 

While contacting the dispute dept on XXXX, I was informed that Direct Express had determined that it was only going to replace XXXX of the XXXX ATM transaction losses that led to the dispute. Furthermore, i was explicitly told that the other transaction was addressed via credit from the ATM company without any proof either on the consumer end or the service agent of my Direct Express account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06 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: MD

Complaint narrative:
i have been a victim of identity thief and there has been fraudulent accounts placed on my credit report.that i need removed i have attached all the accounts and all the reports made about this complaint

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 2022-12-06 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: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In beginning of XXXX this year ( XXXX ) I opened credit card account with this bank. As a promotion this company promised to pay {$200.00} after spending {$2000.00} within first three months ( see attachment ). I did it, but never got this money. I called them three times in different time, and every time they give me different info about when I will get my {$200.00} reward. I see that this company practice fraudulent business and lying to their clients. Please set an investigation of this business and help me to gen my money according agreement. Me card number is 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 2022-12-06 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: OH

Complaint narrative:
XXXX XXXX  began to report {$76.00} open balance on my Transunion agency consumer report. The original creditor XXXX  XXXX  XXXX XXXX Who I previously had remove the same collection company removed from my account for {$860.00}. Which now they are re-reporting a new balance of {$76.00} from the previous collection placed on my consumer report that has already been deleted. I never received documentation from Transunion that we would reinsert this collection on to my credit report> This is fraud and again violating my consumer rights. In pursant to 15 USC 1681 ( 3 ) which restricts sharing my medical information to a 3rd party without my permission. In which I did not give or shown proof of my signature. This exhibits my HIPPA rights are currently violated.

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 2022-12-06 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: MI

Complaint narrative:
Yes, we communicate by phone XXXX times!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: NC

Complaint narrative:
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 In accordance with the Fair Credit Reporting act and convergent accounts number account # : XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX have all violated my rights XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX bank of XXXX XXXX of XXXX XXXX bank/XXXX  XXXX bank 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 2022-12-06 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: GA

Complaint narrative:
Expressed several time to this company about how in 2012 I had identity theft, the IRS has this on file as I was victim and was provided the tax advocate to investigate the problem to stop the thief from getting my money since then I've seen all types of credit and hard inquires. 
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 2022-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I had XXXX XXXX XXXX and it was denied for a XXXX XXXX XXXX XXXX last year in XXXX even though that is a claim that no one can verify. Thunderbird Collections repeatedly called me while I was at work over 4 times in a row the day prior. 

Today I answered an unknown call from Thunderbird Collections where I was told it was a very important call. I immediately told the person I was at work. She said good because her next step was to verify my employment to place a judgment on me. That I had been playing the run around with her company and that they had gotten nowhere with me. 

The person on the other end of the phone stated that the collection was now over XXXX dollars and that they were calling before verifying employment to submit a lien against me. She threatened to garnish my wages if I didnt set up a payment arrangement either weekly or biweekly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I purchased a used car from a dealer that said buy here pay here. I thought the dealer did their own financing but instead they use Consumer Portfolio dand they are ripping people off under the guise that they help people with poor credit.My loan was supposed to be paid off in XXXX of XXXX but they told me that since I had 2 extensions it would be paid off in XX/XX/2023. Now I called them about why my balance is still too high to be paid off in XXXX and they tell me that the same 2 extensions are causing interest on the loan again. They are charging interest on top of interest. They are preying on seniors and people that have poor or no credit.I have been paying for this car for over 4 years and have been making my payments on time and sometimes early. I have also had to put in a new engine 2 times. the company told me to send in repair bills because the engine failed before 30 days after I had purchased the car and they told me to send in repair bills but they never reimbursed me nor did they return my phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
My mortgage company has been reporting late pays to the credit bureaus for several months now. I have tried contacting them directly to have the issue resolved with no help. I have disputed it with the credit bureaus only to have them put the late pay for the current month. I have submitted a Respa Notice of Error Request to address the issue of missing and incorrect payments being reported to the credit bureaus by the mortgage lender on XX/XX/2022. I have never received anything from my mortgage lender. It is screwing with my credit score and loans that I had to take out were priced significantly higher because of this error or denied completely.

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 2022-12-06 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: MD

Complaint narrative:
My mortgage company has been reporting late pays to the credit bureaus for several months now. I have tried contacting them directly to have the issue resolved with no help. I have disputed it with the credit bureaus only to have them put the late pay for the current month. I have submitted a Respa Notice of Error Request to address the issue of missing and incorrect payments being reported to the credit bureaus by the mortgage lender on XX/XX/2022. I have never received anything from my mortgage lender. It is screwing with my credit score and loans that I had to take out were priced significantly higher because of this error or denied completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a police report, called the Company ( XXXX ) to dispute, called Equifax in regards to this matter, and sent dispute letter.

Company response to consumer: Closed with explanation