vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
My checking and savings accounts were compromised with multiple transactions being debited to the Wise company. I was able to contact my bank and stop some of the transactions, but some were still processed and the bank was unable to address it. I contacted the Wise company multiple times. I was unable to access Wise online and when I called them they told me the account had been closed. I was instructed to submit an appeal online, which had to be done through an email link since I didn't have an account to submit it through their appeals process through their website. I received confirmation via email that it had been received and was told it would take up to 20 business days for the case to be addressed. I received this confirmation on XX/XX/2023. I called again after the given time frame and was given the appeal number and was told they would escalate the case. As of XX/XX/2023 I had still not received any correspondence. I called again today ( XX/XX/XXXX ) and was told I had not submitted the appeal properly since I did not use the link -- mind you, I CAN NOT ACCESS THE LINK ) -- and was told I needed to resubmit and it would take up to 30+ business days for this to be addressed. The money being held up in that account is having a severe impact on me, my family, my financials, and my livelihood. The customer service has been poor and reaction times have been atrocious. The amount that I believe is in the account is {$650.00}, although it is difficult to confirm since I am unable to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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:
RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS ARE IN VIOLATION OF THE LAW. I NEVER RECEIVED ANY STATEMENTS FOR THE FOLLOWING ACCOUNTS WHICH IS IN VIOLATION OF US CODE 1666 ( A ) A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. UNDER 15 USC 1681 ( A ) 4, A CONSUMER AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS AND RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. XXXX XXXX XXXX XXXX - XXXX - STATUS PAID AND CLOSED XXXX XXXX  - XXXX - STATUS PAID AND CLOSED XXXX XXXX XXXX XXXX - CHARGED OFF - STATUS PAID AND CLOSED XXXX XXXX BANKRUPTCY DISMISSED - REFERENCE NUMBER XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS ARE IN VIOLATION OF THE LAW. I NEVER RECEIVED ANY STATEMENTS FOR THE FOLLOWING ACCOUNTS WHICH IS IN VIOLATION OF US CODE 1666 ( A ) A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. UNDER 15 USC 1681 ( A ) 4, A CONSUMER AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS AND RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY. XXXX XXXX XXXX XXXX - XXXX - STATUS PAID AND CLOSED XXXX XXXX  - XXXX - STATUS PAID AND CLOSED XXXX XXXX - XXXX - CHARGED OFF - STATUS PAID AND CLOSED XXXX XXXX BANKRUPTCY DISMISSED - REFERENCE NUMBER XXXX XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi I have issues with Bank of America XXXX XXXX and XXXX i tried to apply for credit cards but found out there were fraudulent debit cards or attempts of opening cards under my name and now they dont approve me credit cards because it looked bad under my name I never ever had anything to do with these companies if they had previous applications under my name it was due to fraud

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian has verified my correct name address and personal information. 
My name is only XXXX XXXX XXXX and my address is XXXX  XXXX XXXX XXXX LA XXXX. 
They have refused on all accounts to remove this inaccurate information from my consumer report after over 15 calls plus letters. 
They have on my Consumer report that I'm also Known as XXXX XXXX and I also live at XXXX XXXX XXXX XXXX XXXX LA XXXX. 
They also have me also known as XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX LA 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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I started receiving emails from Bank of America that a checking account application was approved, in progress, welcome to online banking, arrival of a digital debit card and even a money transfer notification in the amount of {$750.00}. I forwarded all those emails to bank of America fraud department @ XXXX. I never received a response. I called the bank and told them I never opened this account and that the name on the account isn't even my current legal name. I was told that the account was flagged and never opened because they never received my identification. I told them that's incorrect because I got an email advising not only was the account opened, but money was being sent to multiple people through XXXX and I even received a debit card in the mail. I was transferred to their fraud department and told they were closing the accounts and starting a claim and that I am not liable for anything, and they were going to send me a letter that I can forward to the credit buraus informing them that this account was fraudulently opened. I provided my email, but never received the letter. The only letter they sent was a letter stating my account was closed and they were reporting it to the check system - nothing in the letter mentions the fraud that occurred, and it even says that this may make this harder for me to open a new bank account? A week later on XX/XX/2023 I received a bank statement That shows the account was opened without any real identification and multiple XXXX transfers occurred on XX/XX/2023 and even an external transfer fee.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I paid an escrow shortage for my mortgage in XX/XX/XXXX of XXXX as requested by US Bank Mortgage to keep my monthly mortgage payment low. According to my statement my new amount would be XXXX starting XX/XX/XXXX. US Bank misapplied my payment which resulted in them sending out another letter in XXXX of XXXX for additional money still stating I had an escrow shortage. I spoke to XXXX on XX/XX/XXXX and he opened an escrow task and assured me the problem was on their end and would be corrected by the end of XXXX. I received yet another statement in XXXX stating there was still a shortage and that my payment would be increasing unless I paid more money. Even if I paid the claimed shortage, the new monthly payment will still be higher than what I was told back in XXXX. I called again on XX/XX/XXXX and spoke to XXXX and she basically informed me the last escrow analysis was correct and there was nothing she could do for me...... ..I 'm being penalized for a mistake by US bank and someone needs to correct it. I'm retired and on a fixed monthly income and every dollar counts ... ......

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 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hammerman & Hultgren, P.C.
State: AZ

Complaint narrative:
On XX/XX/23 I received a voicemail from XXXX XXXX stating that they have received a letter from the XXXX XXXX XXXX XXXX ( XXXX ) stating that they were unable to complete my registration on purchasing a new vehicle due to a collection balance owed to them and judgement by Hammerman & Hultgren, PC. XXXX XXXX calls Hammerman & Hultgren and spoke to a collection representative which then proceeds to share my balance owed to XXXX who works at XXXX XXXX and also falsely states that the debtor has put a lien on my vehicle which I was trading in. I spoke with a representative on XX/XX/23 to get more information pertaining to why my information was discussed with a third party. On XX/XX/23, We also discussed what was needed to get the registration hold removed from the XXXX. I received screenshots via text message from XXXX with XXXX XXXX where he wrote down the amounts of my debt owed to Hammerman & Hultgren. Keep in mind that my debt does not have anything to do with my vehicle that was being traded in. This information should not have been shared without my authorization. This is a violation of my privacy and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
I called them at number : ( XXXX ) XXXX on Tuesday XX/XX/XXXX to discuss the matter and I left a voice mail, but no one called me back. 
This is regarding Account number ( XXXX ) for XXXX XXXX XXXX that was purchased from the dealer and the account was closed ... I can't see or access the account on XXXX webpage any more, and for account ( XXXX ) XXXX XXXX that was replaced with another vehicle of XXXX  XXXX and the account was closed and not showing on the website any more. 
If I still owe anything on those vehicles, the dealer should have notified me before I do any deal with them because they closed both account and I was not aware of any left balance because to my knowledge I paid everything online and with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: DE

Complaint narrative:
Trans Union has refused to remove a fraudulent collection item from my report. I have contact the XXXX XX/XX/XXXX and XX/XX/XXXX on both occasions I received a response stating " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. '' Neither I nor anyone in my family have authorized this fraudulent balance or any transactions related to the {$110.00} amount being collected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On the behalf of XXXX ( XXXX ). I have also contacted the merchant who refuses to verify the transaction and they refer me to the collection agency who has also not responded to multiple requests to remove the fraudulent collection item from my report.

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 2023-04-25 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent collection and fraudulent inquiries

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 2023-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: TX

Complaint narrative:
Did not recieve final closing disclosure until the day of closing. I had an issue with the points that were on the disclosure because it was explained to my husband and I that my credit would be ran again before closing after my credit was fixed so that would would not have to pay for points. I brought up that up to the the supervisor XXXX XXXX and she said that the builder may not extend the close date and we would have to start the application process over. They did not confirm final approval until the day we closed. They kept telling us the last 30 days prior to closing that we may not get approval because of a mistake the loan officer, XXXX XXXX made with our loan processing. This was very deceiving because we made to believe that if we did not close on XX/XX/XXXX we may lose the home due to an issue with a document they needed from the IRS for the current tax season that was not due until XX/XX/XXXX. Somehow everything worked out and we were able to close but we were rushed and pressured to close on the same day the closing disclosure was emailed to us. We did not have efficient time to get anything corrected or seek legal help. When I asked XXXX what she could do about it, she told me nothing because we close in a few hours. We paid XXXX in points when we should not have had to. It took me time and money to correct my credit only to be taken advantage of by the lender for their financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion and XXXX is reporting a bankruptcy on my consumer report and they have put in the data furnisher as being The US Bankruptcy XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy XXXXXXXX XXXX  XXXX verifying and stating that they do not furnish information over to the credit bureaus or any 3rd party companies. TransUnion and XXXX is falsey stating this information on my consumer report and have yet to remove this from my consumer report.

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 2023-04-25 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance 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 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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-04-25 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: NJ

Complaint narrative:
Experian is in direct violation of the FCRA and Gramm Leach Bliley Act. Failing to answer my dispute in timely manner. as well as Reporting unverified and innacurate information on my credit report. Please refer to the documents attached

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Inaccurate information deletion request DATE : XX/XX/XXXX From : XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca XXXX Dear credit reporting agency , I am susceptible to identity theft. I demand to delete any inaccurate or incorrect information such as misspellings of my name other than my legal name of XXXX XXXX as shown on my passport and following items listed below. 
-Remove all other addresses other than my current address of XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX -Remove all phone numbers other than XXXX -Remove all employers as XXXX currently unemployed -Add a fraud statement to the credit bureau as I do not recognize some of the accounts showing on my credit report. 
-Freeze my credit profile and send me a pin for future use to unfreeze my credit profile. 
These inaccurate details have adversely affected my creditworthiness and hampered my chances of acquiring new credit. I will pursue a CFPB investigation if any dispute arises. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the above items in my credit report be removed. 
Under the FCRA, You must notify me of the changes and forward me the updated copy of my credit report to the addresses, phone numbers, correct legal name, employer data, and possible identity theft referenced above. I have included a bank statement, a copy of my passport, and my social security card for validation. 


CCPA California Consumer Privacy Act Request I would like to invoke rights under the CCPA and ask what personal information is being collected about me and request a copy of the information you have collected about me, and request a deletion of all non-essential information about me as a California Resident which updated my rights on XX/XX/XXXX. Please cease sharing my information effective immediately. I also revoke all terms of use for all websites use, complicated end-user agreements, or website cookies which are designed to remove federal and state protection for me as a consumer effective immediately. 
Please process this request within 30 days in writing. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief