vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-19 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: PA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: PA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-19 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: MA

Complaint narrative:
This communication is to put you on notice that you are furnishing inaccurate and incorrect information to my consumer report. The reporting of such inaccurate information has caused severe damage to my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. 

It is not my responsibility to make sure you are in compliance with the Fair Credit Reporting Act, however it is my responsibility to make sure every item is reporting to my consumer report accurately so that my credit report is equitable to me. So take notice! I am not asking you to verify the validity of this debt. After reviewing 7 CFR 1956.54 the code of federal regulations defines a charge off as he writing off of a debt and termination of collection activity without release of personal liability. THIS MEANS YOU MUST CEASE ALL COLLECTION ACTIVITY. I came across a recent IRS publication on the IRS website in which the IRS defines a charge off a gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following account inaccurate! 

XXXX XXXXXXXX XXXX XXXX XXXX account # - 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 2022-06-19 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: PA

Complaint narrative:
Acct. name - XXXX XXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent. 

Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.

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 2022-06-19 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: PA

Complaint narrative:
Acct. name - XXXX  XXXX, acct. # XXXX - acct. type - CLOSED date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent. 

Acct. name - XXXX XXXXXXXX, acct. # XXXX - acct. type - REVOLVING / CHARGE OFF date XX/XX/XXXX, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: PA

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

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 2022-06-19 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: TX

Complaint narrative:
I received an alert that an inquiry for a credit card was made in my name with Bank of America yesterday XX/XX/XXXX. I called Bank of America immediately. I spoke to Customer Service then to the Fraud department. Both departments said I had to call back again because there was no account number associated with the inquiry yet. I insisted they make a note. They still said I had to call back. I have spent more than 2 hours on hold yesterday and today, spoke last to " XXXX '' and am concerned this card is issuing. They confirmed an application was made in my name, social security number and home address but with a different telephone number. I'm concerned an account will open and that I have to continue to contact them. I want written confirmation from them that no account will be opened and confirm I have contacted them and no further action is needed.

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 2022-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was selling a washer and dryer on XXXX XXXX and a person messaged me saying they would like to purchase. They requested to use XXXX to send me payment. They messaged me again and said Dear customer, We have a problem crediting your {$600.00} USD because the status of your account is not a business user which makes your account have limits. This amount seems to be above your limit. 

To fully expand your account into a business account and deposit your funds now, contact ( XXXX ) immediately to send you an additional payment of {$400.00} USD into your account to expand your account limit. Soon as this is done, we will credit your account with the total sum of {$1000.00} USD An alert has been sent to ( XXXX ) in regards to the {$400.00} additional payment she has to send to you, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction. I then sent them a payment via XXXX and then I received this email. 
Dear customer, This is to inform you that we have received your payment of XXXX USD which has been approved, in order to get the full total {$1000.00} USD transferred into your XXXX account, you are hereby to pay the certificate form fee of XXXX of {$500.00} USD so that we can start the processing of the funds, the certificate form fee represents the approval of your funds and also stands as insurance to your Business account, the money will be added to your pending fund and you will be credited with the total sum of {$1600.00} USD plus free $ XXXX compensation fee from XXXX. 

Below Is The Instructions : Below is the Agent XXXX details : XXXX : XXXX : * XXXX XXXX XXXX XXXX : Amount to Pay : {$500.00} USD Total Amount to be credited : {$1600.00} USD

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 2022-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NV

Complaint narrative:
I wrote to my mortgage company citing my complete compliance with all industry wide standards : i. e. an LTV of 53 %, a XXXX score in the top 2 %, no missed payments, a flawless credit history, more than 1 year old mortgage. 

I requested CCM to remove an escrow account from my mortgage with Cross Country Mortgage. This was after they attempted to increase my monthly escrow payments by 58 %. I refused to accept that amount and they lowered it to a 15 % increase. 

I then requested to waiver the escrow account, having fulfilled all the reasonable and normal requirements. They refused citing that my LTV, which is 53 % ( current loan to current market property ), by stating that THEIR calculation of LTV is based on loan to property value AT THE TIME OF THE LOAN, and it showed an LTV of 92 %. 

I vehemently disagree with their calculation, which seems to be constructed solely for their benefit of collecting higher monthly payments, and unreasonably padding their escrow account. The industry wide norm for LTV calculation in demonstrated on the XXXX website, and used by most all the mortgage companies. 

This appears to me as deceptive and unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 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: IN

Complaint narrative:
I have attempted to contact the data pullers below to remove my inquiries as they do not have my informed consent to use or access my credit data. I did not give them permission to access my files. I have informed both the credit bureaus and the data requestors and have gotten no resolution These instances are on my Transunion report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-06-19 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: PA

Complaint narrative:
I reviewed my credit report and XXXX XXXX and XXXX XXXX Bank XXXX account # XXXX are reporting on my credit I do not recognize and I did not authorize this account/Inquiry

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 2022-06-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reached out to Capital One via XXXX and their toll free number back in XX/XX/2022. My accounts were acquired from ING Direct. All my accounts were set to XXXX XXXX ( taking out the XXXX and last day of the month ) since that was the option I had set when with ING. I had to change my external checking account so to my dismay XXXX XXXX option was not a Capital One option. I tried explaining that the system did it because it was transferred in that way, so there should a way to recreate this without setting up manual transfers. I just gave up but decided that this should be addressed. Furthermore, my accounts from ING are only get 0.30 % and the Capital One account is paining a much higher rate. I was told that I would have to close all my existing saving accounts to get the higher rate. I reached out again in XX/XX/2022 and they told me the same thing that they can not manually adjust the interest rate or offer the Semi Monthly option. My issue is that if you acquire accounts, I am now a customer and should get the same rates as your other accounts. They are offering the ING Direct accounts that they acquired a lower rate than their existing customers. I feel that this is very dishonest and I should get the interest rate that was applicable at the date of transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This account became fraudulent due to someone who broke into my vehicle and stole my person information, they stole my social security card my license and my debit card, & cellular phone.I do not owe any of this debt because it is FRAUD. Said people cashed multiple checks and made my account negative but took out the funds. Now I can not open another account with wells Fargo because of that risk.

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 2022-06-19 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Let 's start by saying that this complaint is related to my previous complaint that was open with the CFPB. Which is related to a case that is opened on my fiancee 's account. His case number is XXXX - XXXX, XXXX XXXX. The initial dispute case is XXXX. Since his request for a contact back to discuss this further has still been unfulfilled I am now forced to open another complaint. 

We have received the response from Chase stating that the merchant gave them documentation showing that the item was delivered to the address we have on file. This is simply not a true statement. This package has been confirmed now by XXXX separate customer service agents at XXXX on XXXX separate occasions that it was not delivered to our home at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 

In addition to support that this is a false claim the tracking information only provides that it was delivered to XXXX XXXX XXXX so how they can confirm that it was delivered to our address, without calling XXXX is completely baffling me. XXXX XXXX XXXX is the city of XXXX people, the fact that the address is not on the tracking information, is even more reason for a call to be completeld. I do not understand why they are not required to contact fedex to confirm this information. 

This has gone on so long that I am now 2nd guessing myself and I have now contacted XXXX a XXXX time. Still when I give them the tracking information and the address that it should have been delivered to they confusingly say no mam, that is not where it was delivered. 

They can not give me the address in which it was delivered for security purposes which I understand they don't want me showing up at somebody else 's house to get my package that should have been delivered last year around XXXX time. 

At this point this is based on principle alone, and the fact that people are being too lazy to confirm this information. I now feel as if we have been ripped off by 2 separate companies this should have been a very easy claim to review. The package was never delivered to our address and if somebody would pick up the phone and call XXXX at XXXX XXXX they can confirm that tracking XXXX did not get delivered to my address. 

We have tried to contact Chase to resolve this on our own. We contacted the executive office who was working this case. We never got a call back. I know that there's a time frame involved with this process. So now hopefully we can get the actual personal attention that we need to feel comfortable about this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-19 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: PA

Complaint narrative:
Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent. 

Acct. name - XXXX XXXX XXXX  acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.

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 2022-06-19 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: PA

Complaint narrative:
Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2019, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.

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 2022-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: DC

Complaint narrative:
On XX/XX/XXXX, I received a response to my initial complaint to MRS BPO LLC where they stated that they would stop contacting me regarding a debt that I did not owe and was a result of identity theft from the previous property manager of my apartment. Since that day, they continue to email and call me to collect on this knowing that this is in dispute. This is illegal and should they continue I will will contact Utah 's Attorney General and seek a criminal complaint for harassment and pursuing a federal lawsuit for their blatant violation of the FDCPA. I no longer lived at the property during the time period they are trying to collect for as my lease ended XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-19 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: PA

Complaint narrative:
Acct. name - XXXX XXXX XXXX acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent. 

Acct. name - XXXX XXXX XXXXXXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.

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