vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been having problems with BOA since XXXX. I finally got a hold of your organization in XXXX. By doing, so finally, BOA fixed my account and it took from XXXX to XXXX to finally get it corrected, see XXXX. 

The BOA has been calling me monthly, weekly and now daily requesting me to pay them XXXX to bring my account to current. I was paying an additional XXXX every month towards my Equity loan and again the bank continuously messed up the payments and I wind up calling the bank, seems like monthly for them to fix the account. In XX/XX/XXXX, they took the XXXX I submitted and only put the incorrect low payment on my loan and are requesting for me to pay the additional amount to bring to to current but they refuse to fix the error on their end to make me whole. I stopped paying the additional XXXX a few months back to see if the problem was me sending additional funds every month to the equity loan that was causing the problem. I am XXXX XXXX XXXX have XXXX and they have continually upset me, calling requesting additional funds and that they would fix the account. Today, the manager wasn't listening and just wanted the additional funds instead of fixing my account and bringing the a account current. 
Please help me with this mess, I can't take the stress that this situation is causing me. 
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 monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX Acct # XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.

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 2022-12-13 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: NY

Complaint narrative:
This was not sent in error, I am a consumer by law an my information was misused. Due to this I have inaccurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: FL

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 Also violations of defamation of character Acct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Also violations of defamation of character Acct name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I reached out to the 3 credit bureaus and Bank of America, about information they are furnishing on my credit report back in XX/XX/2022. I explained about the inaccuracies of the report how it was effecting my XXXX  status. in XX/XX/2022, I was placed on administrative XXXX XXXX XXXX My lively hood started to turn into a hardship, today XX/XX/XXXX, XXXX because of lack of income, I had to sacrifice a roof over my families head or paying bills. The XXXX  I'm feeling just writing is and has been stressing me out, my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the house. This morning I got an alert of an adverse action that was placed on my credit report from Bank of America, my XXXX XXXX dropped XXXX points today and XXXX points within the past 10 days. I received a phone call not to long after that update, that my XXXX  was gone. XXXX XXXX XXXX XXXX, I reached out to Bank of America before this happen to let them understand my position and how they did have the right to furnish that information, also countless billing errors that needed to be fixed that they ignored. The claimed they did investigation, but I still have not received a copy of the report, no one I know have been contacted about this investigation and I was never called, emailed or contacted about such matter.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-13 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: MD

Complaint narrative:
Experian responded to my complaint on XX/XX/22 stating there isn't an inquiry on my consumer report from XXXX XXXX XXXX. I have attached a letter from XXXX stating Experian provided them with a copy of my consumer report. 15 USC 1681 ( a ) ( 4 ) states I have a right to privacy. Experian violated this right when they provided my consumer report to XXXX XXXX XXXX without my authorization. Furthermore, I have a freeze on my consumer report which means you violated 15 USC 1681c-1 when you provided my consumer report to XXXX XXXX XXXX XXXX XXXX negligence has caused me severe damage. 15 USC 1681o makes you liable for damages caused by your negligence. I am requesting monetary relief in the amount of {$3000.00}. I will escalate this matter if you fail to resolve it within 15 days of receiving this notice.

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 2022-12-13 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: AZ

Complaint narrative:
I am in receipt of my most recent consumer reports. As per recent correspondence, I have requested for my consumer reports to be updated and reflect the following information as follow : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All other names, addresses, ssns, employer and phone numbers does not accurately reflect me and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: AZ

Complaint narrative:
I am in receipt of my most recent consumer reports. As per recent correspondence, I have requested for my consumer reports to be updated and reflect the following information as follow : Name : 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 All other names, addresses, ssns, employer and phone numbers does not accurately reflect me and must be removed immediately.

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 2022-12-13 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: DC

Complaint narrative:
Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The account listed below is not mine. It is associated with inaccurate personal information. Please remove it from my credit profile and credit report immediately. 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 2022-12-13 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: CITIBANK, N.A.
State: MN

Complaint narrative:
On my Citi bill were charges I did not authorize. 
Offer XXXX promotion : XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX Offer XXXX promotion : XXXX -- XXXX TOTAL : {$1300.00}. 

I called today to tell card company I did not authorize & did not know what the charges were for. I was told it was an XXXX  promotion to lower fee from 19.6 % to XXXX & now promotion is over they are charging for it. I explained I pay my bill in full every month so had no need for this & would not sign up for it. They insisted I did which I did NOT & refuse to drop charges. Can you help me get my money back? I was so upset I closed account.

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 2022-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
In XXXX  I received a bill from XXXX and XXXX XXXX XXXX regarding a previous appointment I had with the clinic. After the appointment I received a bill. I submitted it to my insurance and according to XXXX and white the bill was satisfied at the time. After about XXXX months I received an invoice from XXXX and white. I spoke with XXXX and white and they told me about a Medical financial hardship program. I signed up for the program, received the paperwork filled out and turned it in. XXXX and XXXX said I was approved and waived the financial responsibilities. Sometime later I started receiving letters from Harris and Harris Ltd. 
I have not responded to the letters because I dont know if this triggers a claim of responsibility for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is the XXXX claim Im making against this bank because AFTER my XXXX claim, they are STILL SENDING ME CREDIT CARDS FROM A CLOSED ACCOUNT. 

I have been dealing with this since the summer. 

PLEASE HELP ME! 

Synchrony bank illegally reopened a credit card of my that was closed for XXXX years. I started receiving credit cards from them, so I requested them to stop. I have XXXX different letter saying my account is closed, yet a month later, I would get a new credit card. The bank keeps telling me its a system error ; whenever I called to close my account their system put it down as a request replacement card. 
I DONT HAVE AN ACCOUNT WITH THEM!!! 

THIS HAS HAPPENED XXXX TIMES SINCE THE SUMMER. 

AND MY FIRST CLAIM WITH YOU, YOU SIDED WITH THE BANK!!! SAYING WHAT THEY WERE DOING WAS OK SINCE I HAD AN ACCOUNT WITH THEM YEARS AGO!! 

This company is harassing me! Please make them stop!!

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 2022-12-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX, I received notice that Veterans United was transferring my VA backed mortgage to XXXX Mortgage XXXX XXXX. XXXX XXXX XXXX XXXX XXXX revealed that the company has a negative track record in both accepting payments and for transferring loans from other entities. In light of this, I contacted Veterans United on XX/XX/XXXX. The company said that XXXX XXXX would be in contact with me. 

I believe that Veterans United transferred my VA backed mortgage in direct retaliation for my CFPB complaint on XX/XX/XXXX and as a result of me being a XXXX XXXX. I have received nothing from XXXX XXXX to date and have no proof of who holds my VA backed mortgage. It is my belief that Veterans United is acting in retaliation for my prior CFPB complaint ( XXXX ) on XX/XX/XXXX. Any help you could offer me would be much appreciated!

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 2022-12-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Someone fraudulently opened up a Barclays Old Navy credit card in my name. I immediately closed the account, marked as fraud on XX/XX/22. Barclays was delayed in their fraud investigation, taking months and did not complete the fraud investigation only until I had the situation escalated by a supervisor after my numerous calls. I received letter that account marked as fraud and I am not responsible for this credit card however Barclays has not reported this to credit bureaus and thus my credit score continues to be severely impacted by this delinquent fraudulent account.

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 2022-12-13 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: TX

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX party data furnishers.

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