vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-28 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 and XXXX XXXX XXXX and affiliates have 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 Please show me proof that I gave your company permission to furnish these alleged debts on my consumer reports

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 2022-06-28 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: CO

Complaint narrative:
Hi Transunion XXXX again with my XXXX complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. Just please remove the XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.

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 2022-06-28 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
Mr. Cooper Mortgage You are charging me the wrong amount for my property taxes. I have spoke to numerous departments over and over about this and faxed you on XX/XX/XXXX the tax property coupons. No one corrected this or acknowledged my fax in XXXX. 
Yesterday XX/XX/XXXX I received an email saying my statement was ready. You ran an analysis with the wrong information AGAIN and adding to it now saying I also have a shortage. 
I spent 55 minutes with a man who could not answer why thus is happening and said my taxes must have changed. I went to the XXXX Department in my County and No they had not increased or changed. 

My County tax department pointed out that you were charging me the {$45.00} water basin fee 2 times, which is incorrect. 

This fee is a ONE TIME ONLY ANNUAL FEE. 
The {$45.00} fee is INCLUDED in the XXXX Spring installment only. 

XXXX + XXXX = XXXX. This was already paid in XX/XX/XXXX. 

The second installment is XXXX due in XXXX. DO NOT ICLUDE THE {$45.00} My total annual tax bill is XXXX On the last several statements you show XXXX. 

I faxed the tax department AGAIN on XX/XX/XXXX for the second time requesting this be corrected. 
This is a simple correction that I can not understand why it is not being addressed. 

Can someone actually make this correction and tell me why I'm again being thrown into a shortage AGAIN? 
In the last 4 months my payments have fluctuations of XXXX XXXX XXXX. Shortage PAID IN FULL XXXX XXXX XXXX My current installment is XXXX Currently- I have paid another XXXX shortage on XX/XX/XXXX but don't understand why or what made an escrow shortage. 

This XXXX shortage is unexplainable plus the additional monthly tax of XXXX XXXX is inaccurate. 
You need to correct the tax amount in my escrow You have not properly serviced my account and have not made corrections that I have requested. 
If you had corrected the tax error before you ran another analysis on XX/XX/XXXX there would be no shortage again. 
These errors in my escrow since XXXX have been made by your departments and their lack of knowledge or ability to make timely corrections. 
I am requesting my escrow account be brought accurate correct the tax amount and refund the XXXX shortage I paid that no one could explain why I was shortage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: MO

Complaint narrative:
Delete the following hard inquiries from my consumer report : XXXX via XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not able to obtain personal AND BUSINESS CREDIT because of these inquries so I can sue for {$1000.00} in damages. 

15 U.S. Code 1681n - Civil liability for willful noncompliance states : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

These companies did not have written permission from me therefore there was no permissible purpose. 15 U.S. Code 1681b - Permissible purposes of consumer reports states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A company called " XXXXXXXX XXXX '' is continuing to charge my Capital One Cabela 's account card ending in XXXX. I disputed the charges totaling all told ... {$360.00} with a Capital one Customer Service agent who promised that they would be removed and my account credited. He further stated I would receive a new card and any new charges by " XXXXXXXX XXXX '' would be denied. However, Capital one says they can not " find evidence of any fraud '' .. and put the charges back on. He further told me that Capital One would mail me a new card ( which they haven't done ). I am a XXXX Veteran and I called XXXXXXXX XXXX and asked for them to discontinue charging my card THREE TIMES and they agreed several months ago yet the charges keep happening to the tune of {$40.00} every month. Capital one is refusing to refund me charges that are fraudulent. XXXX XXXX, although has access to MY card and is on the account as an authorized used ... .states she did NOT authorize these charges either. She authorized {$40.00} ONE TIME quite some time ago but XXXX XXXX keeps charging every month. They even put the interest back on for each charge. This is unacceptable. I have frozen my card at Capital one but am afraid they are going to continue to let " XXXXXXXX XXXX XXXX' charge me frauduletly. Please help me fight this. Thank you .... Also Capital one sent me email .... addressing me as XXXX XXXX... I am NOT XXXX XXXX... I am XXXX XXXX XXXX and this is my account SOLELY. XXXX XXXX XXXX... I AM THE OWNER OF THIS ACCOUNT SOLELY LEGALLY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been trying to make a payment since XX/XX/2022 for my Victoria Secret Credit Card, it keeps giving me the same message that they are conducting a planned update and they are unable to let customers sign in to their accounts and make payments for days now, it is XX/XX/2022 and I have not been able to make any payments even though my payment was due yesterday, I do not want this to be reported on my credit. I have also been trying to call them and no one will answer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Hi Equifax XXXX again with my XXXX complaint. I just want to let Equifax know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. Just please remove the XXXX and XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Identity theft through XXXX with chase bank XXXX XXXX payments each for XXXX and a total of XXXX were made to the following XXXX for {$2000.00} XXXX for XXXX On XX/XX/XXXX The back has yet to credit me for this fraud and I have to pay my rent on XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX called concerning an online order that I never placed, so I checked my credit reports and saw a hard inquiry from XXXX on my XXXX report. Someone used my maiden name ( which is not my legal name ) fraudulently to open a card and make an online order to an address completely unassociated with me. 
XX/XX/XXXX XXXX cancels the orders that they can and refers me to Comenity bank to begin fraud report. Comenity bank has no way to speak to a person online or via phone and this has continued into XX/XX/XXXX. XXXX can not remove hard inquiry or new credit line until I can begin this process with Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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:
Transunion has furnished false and deceptive consumer reports on my behalf which is a violation of 15 USC 1692j. Transunion does NOT have permissible purpose to furnish any information on my behalf because I have not given them written consent or authority and I do not have any judgement to my knowledge. This is considered aggravated identity theft! They continue to furnish inaccurate and incorrect information to my consumer report, knowing the information is incorrect and inaccurate. What was the method of verification? Who did they speak with to verify all information is accurate? Why wasn't I sent documentation of the evidence from the reinvestigation? My character has been tarnished and my reputation damaged due to this inaccurate information and I am continually being denied credit due to the inaccurate information Transunion is reporting. I have sent multiple disputes, and information is continuing to be verified with no real proof of its accuracy. I will be contacting my attorney general and filing a suit for the violations against 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 2022-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX card ( Comenity Bank ) Last Tuesday, XX/XX/XXXX, we made a payment for {$540.00} ( payment due was {$60.00} ) and the payment was due Friday, XX/XX/XXXX. I received an email confirmation as proof of payment. 2 days ago, we noticed the payment had yet to clear our bank, nearly a week later. We have tried and found that the website has been down since XX/XX/XXXX. In addition, they have not manned their calls centers in a week. No one is answering. I am so mad because even though we paid early and have proof of payment via email from Comenity Bank, they sent an email that we have been hit with finance charges and late fees - we've never been late and my XXXX took a hit because of this! I have gone to their XXXX page and I am reading that this same thing is happening to thousands of customers. Not just XXXX XXXX customers but anyone with a Comenity Bank store card. So many people are getting hits on their credit, even after on time payments! They are scamming people, they will not respond or answer the phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2022-06-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX have 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 2022-06-28 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  have 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 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
Goldman Sachs/XXXX makes you proactively go to the app or their app or website to get your statement. Because of this there is human tendency not to remember to review all the charges, especially since they push the automatic payment. 

The structure of this process works to make the consumer foot the bill for an excess of fraudulent charges, because the company does not send the statements to consumers. 

The refusal to send statements to customers is a means to lower company losses/ reduce company work on bad charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no knowledge of these company 's and when I reached out they had no knowledge or record of my application the companies are. 
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 2022-06-28 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: TX

Complaint narrative:
I have no knowledge of these company 's and when I reached out they had no knowledge or record of my application the companies are. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have two credit cards with Barclays. Yesterday, my accounts were charged two " XXXX XXXX  Fee '' : one  was {$15.00} and the other one was {$29.00}, which I did not request. I have contacted the company to cancel the transaction or waive the fee, but the company refused it.

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 2022-06-28 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:
Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party agency please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and XXXX XXXX XXXX And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to give my information to a third-party agency Name 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 2022-06-28 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:
Ive been disputing these accounts because not only they are inaccurate they violate my Hyppa rights Please note that I have not given prior consent to no medical facility to give my medical information to a third-party agency please have the credit bureaus properly verify and provide The original contract with my wet signature stating that we agreed to those terms and agreement with me and XXXX XXXX XXXX And to please provide the medical Hyppa agreement stating that I gave permission to the medical facility to give my information to a third-party agency Name 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 2022-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I have my mortgage with BSI Financial since XXXX of XXXX. I have not missed any payments. In XXXX of XXXX, I asked the company over the phone if I could do bimonthly payments to pay off my mortgage a little early because there was no option to do so online. They told me I would be able to do this by calling in twice a month. I have been paying my mortgage bimonthly since XX/XX/XXXX. However, when I look at the transaction history, it is clear that when I pay my bimonthly amount in the middle of the month, BSI will suspend that payment until I pay at the end of the month and that is when the payment is applied. This essentially defeats the purpose of the bimonthly payment as no principal or interest is being paid at the middle of the month which is suppose to lower the interest owed and paid at the end of the month. My mortgage contract states no prepayment penalty but it seems like they are actively preventing me from paying my mortgage off early.

Company response to consumer: Closed with explanation