vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 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: MS

Complaint narrative:
My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document 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 explanation
Consumer complaint received 2022-05-27 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: MS

Complaint narrative:
My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document 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 explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc.
State: KS

Complaint narrative:
I am unable to login to access my money, I dont know why and they only responded to me once and said they are reviewing my account and want to see if I receive money thats again their TOS and they also say they cant provide me any ETA for the process. And since then they stop replying me on all their Platforms. Ive pleaded with them that I have an emergency issues and need some of the money to take care of my illness, they are triggering my XXXX. The money I received on the Acct was also a refund by A crypto company name XXXX after fighting them for 3 months they pay my money back to the Sofi account I opened and now Sofi is holding the money again and no response I read and research online about them and most people say they wont respond and fix it until I complain here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened the XXXXXXXX XXXX XXXX Synchrony card on XX/XX/XXXX for the purpose of buying furniture for my new home. On XX/XX/XXXX I made my first purchase. Each time I have made a full payment on XXXX, XXXX, XXXX and XX/XX/XXXX there has been a 7 day hold placed on my account even though the money has been debited from my checking account. The first time this occurred I was told unbenounced to me this is referenced in small print in the terms and conditions " We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it ''. This was never mentioned to me when I applied for the card and only revealed afterwards. Additionally, each time I speak with someone at their customer service they tell me this only happens when the account is first opened. Just yesterday XX/XX/XXXX i asked if they funds would be available and the representative said it would take 24 hours to post. Today my account has a zero balance, my checking account has been debited and I was only given {$1.00} as available credit. Every other time it would at least give me a few hundred to spend. I specifically asked the representative yesterday XX/XX/XXXX if I could use the card this weekend so i could pay for my pending delivery that I have been waiting months for and take advantage of the double rewards. She told me yes it would be available. Apparently this isn't the case because the funds wont be available until XX/XX/XXXX ( 3 days after the promotion ends ) and I must spend additional money to have my furniture delivered on XX/XX/XXXX. This is so frustrating and unfair. I have many credit cards and always pay them off immediately. At this point there is not need to use this card as I have no clue what the policies are. Each time I call even when speaking with a manager I get something different. I will recommend to anyone, do not get this card

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 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: AL

Complaint narrative:
I entered into a mortgage with First Community Mortgage also known as " AKA FCM '' on XXXX, XXXX. XXXX. My payment was {$600.00} which I paid until XXXX of XXXX. At the end of XX/XX/XXXX I received a statement from FCM stating my mortgage payment would be {$620.00} due to escrow. I contacted my insurance company to find out if my insurance went up. I was told NO that actually it went down {$68.00}. I then called XXXX XXXX Al. to find out if my taxes had gone up. I was told no that because i was XXXX I was tax exempt. I called the mortgage company in XXXX and told them that I was tax Exempt. And XXXX XXXX Al. attempted on 3 occasions to send FCM the verification of the tax exemption. On the 3rd time via a fax number XXXX XXXX was finally able to reach the tax dept for FCM. I have paid {$620.00} XXXX, XXXX, XXXX. I received a notice that my payment had been reduced to {$570.00} after I had made the XXXX payment. Since I received the notice that my mortgage was reduced due to being tax exempt I have asked to be reimbursed the over payment amount and they have refused stating any over payment i made was applied to principle which is not true for XXXX or XXXX. On my statement with a payment date of XXXX XXXX Is the first time Ive seen a '' PRINCIPLE CURTAILMENT '' in the amount of XXXX. I did not ask that {$49.00} overpayment for XXXX to be applied to principle, nor have I asked that any additional money I was told I HAD to pay be applied to anything. Ive ask for a refund. I have been asking for all overpayments to be sent back to me since XXXX. They did send a check to me for XXXX XX/XX/XXXX stating that was from overage from escrow account. This does not address the overpayment amounts. I am a older XXXX woman I live on a budget XXXX a month is a lot of money. I need help. I have documents. I can send but dont know how to upload. Please respond. XXXX phone number XXXX. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: MI

Complaint narrative:
Hi I am submitting this XXXX 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 XXXX 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 XXXXThis 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 XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-05-27 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: CA

Complaint narrative:
On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : XXXX Letter Tracking # XXXX XXXX Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with 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 2022-05-27 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: CA

Complaint narrative:
On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : XXXX Letter Tracking # XXXX Equifax Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I am writing today in regards to my vehicle XXXX automotive VIN # XXXX. 
This vehicle was on autopay even after I extended my lease I went online to make sure that the autopay was still active. The autopay was activated but for some reason the date for withdrawal was several months out which I did not notice. The payments were not withdrawn from my account and I was completely unaware of this issue until my vehicle was repossessed. Once the vehicle was repossessed I redeemed the vehicle with a full payout. 

The issue is that a late pay is reported to my credit report in XX/XX/2022 and XX/XX/2022. This was an error on the website which was an oversight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Madam/Sir, XX/XX/2021 I opened a checking account at Citi Bank XXXX My main goal was to get a bonus for opening and maintaining an account following rules set by Citi. My account is " blocked '' by Citi ( without any explanations for a reason for that ) and I can not close it and receive promised bonus and {$100.00} opening deposit. Please help. 

Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, CA 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 2022-05-27 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX AZ Account/Reference # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have a dillards XXXX  card I am supposed to be getting XXXX of a month in credit when I spend XXXX on gas the card is run by Wells Fargo by XXXX XXXX company are the one that apply the credits already disputed this with Wells Fargo and they have no idea and don't apply the credits accoarding to the email I should be getting once a month a XXXX I have Made 2 purchases over XXXX and no XXXX credits on my account at all wells Fargo has no clue so I am fighting this with the source XXXX is the one that puts the credits on the account even through to don't run the card XXXX why are my credits none on the account at all!!!! XXXX needs to start putting my credits on there

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 2022-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
On or about XX/XX/2022, I was notified by my credit reporting service that Mitchell D. Bluhm & Associates , LLC ( XXXX ) had placed a collections notice in my credit file. According to the reporting service, the original creditor was XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have never had a relationship with or received services from either of these entities. In addition, I never received a letter from XXXX notifying me of the debt and did not have the chance to dispute it prior to it going into collections. 

Based on this, I disputed the collection with the credit reporting agencies. I also sent a debt verification letter to XXXX requesting information regarding the alleged debt and requesting that the only communicate with me in writing ( as is my right under law ). Despite that, a representative from their office contacted me on XX/XX/2022 to attempt to collect the debt. When I informed her that I had received no correspondence from XXXX, she said they had sent letters in XXXX to an address that I hadn't had in almost 7 years. Since my forwarding order for that address had expired almost 6 years ago, it is likely that correspondence was returned as " undeliverable ''. It's clear that XXXX made no futher effort to obtain my correct address ( which is readily ) available and proceeded to file a collection with taking reasonable steps to contact me in writing and allow me an opportunity to dispute the alleged debt and receive more information about it. 

Given I have no recollection of the original creditor and XXXX claims to have sent notification to an address that is almost 7 years old, I have serious doubts as to the validity of this claim. XXXX has not responded to my request for information and, based on their actions to date, has no interest in following the debt-collection procedures outlined in law. 

Since I was not given the opportunity to protest or respond to their original request for payment, I have asked XXXX to remove the collection notice from my credit reports and start the process over. I feel that it's only fair for me to have the chance to investigate the claim, validate the amount ( if any ) is owed, and settle the issue prior to having my financial reputation tarnished by what could very well be an invalid debt. I further request that XXXX 's business practices be investigated by the proper oversight authority to ensure they are abiding by the requirements of federal, state, and local laws in regards to debt collection.

Company response to consumer: Closed with non-monetary relief