vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXXXXXX 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 XXXXXXXX

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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
On XX/XX/2022, I checked my spam folder and noticed 2 emails, sent by two different individuals on different days, both stating that a case would be downloaded in a few days that the court house if I didn't pay back money that was owed. It listed options but never once stated the business that the money was owed to. In the emails, an individual is listed as a point of contact as well as other allegations that will be used against me. They are : XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER I have not reached out as it was in my spam folder, but those are hefty allegations to put against someone without giving them ALL information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: LA

Complaint narrative:
I've tried to get these issues fixed on more than one occasion. I've also sent a complaint to my local Senator 's office because I'm not getting any results. What's most upsetting is, that I've sacrificed my life for this country, and now a XXXX Veteran is being treated unfairly in my country. I asked for an investigation that was not thoroughly completed. I sent letters out on XX/XX/2022 ; XX/XX/2022, and XX/XX/2022, to Experian, XXXX, and XXXX. Here is my tracking XXXX ; XXXX ; XXXX. However, the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in 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. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?

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 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd
State: FL

Complaint narrative:
Had used wise.com to pay technician contractors. Wise.com closed account without warning and no explanation. Submitted request for explanation. None was given. Disrupted our relationship with our contractors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
First Security Bank/Glacier Bank Loan Mortgaging Service/XXXX XXXX XXXX After we purchased our first home we have had many problems with our mortgage. The first came in 2021 when we received notice that our property taxes were delinquent. We contacted the bank and they came back to us saying they had miscalculated our mortgage payment and lowered it from {$1700.00} to {$1500.00}. They also let us know they would be issuing a refund check from our escrow. We also later found out that the reason why it had not been paid in the first place was because XXXX XXXX XXXX had the wrong parcel number on our loan. Again in 2021 we received another letter stating our taxes were delinquent and a lien was to be placed on our home if not paid. After contacting the bank we received a call that " they weren't sure why it wasn't paid, but someone was hand delivering the check that day. '' This month we received a statement that our mortgage payment was going up from {$1500.00} to {$2200.00}. It said our escrow account was almost {$5000.00} in deficit and they were going to take those payments over a 12 month period. Upon contacting the bank they said that seemed unusually high and would look into it. They ended up finding an error, but did not say what it was. Our payment is now down to {$1900.00}. They said we never paid for the taxes on our home just the property. We have looked into this and according the the county treasurer and department of revenue all our taxes have been paid and are up to date. If we owe taxes on the house, it seems like this would've came up much sooner than a month before we are supposed to pay this new amount. It feels like someone at the bank made a mistake and we are now paying for that to cover them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2022 a inquiry was made on my credit report for Capital One Bank. I received an email from XXXX XXXX alerting me of the inquiry. I then called Capital One to notify them that I did not authorize that application. Capital One informed me that no open account was in their system with my information. They instructed me to provide a mailed letter to their office detailing what happened. 

I then went on my XXXX account to dispute the inquiry. I noticed that their was an address listed under my personal information that was not mine. The address was XXXX XXXX XXXX XXXX, Georgia XXXX. I notified XXXX about the inquiry and they made a fraud alert on my account and mentioned it would notify all other bureaus. 

I also went on my XXXX and XXXX account. I disputed the inquiry on XXXX. On XXXX, I noticed there was a phone number under my information that was not mine. The phone number was XXXX. 

XXXX advised me to file a police report or a complaint via the Federal Trade Commission and I was directed to here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: CA

Complaint narrative:
There is an account reporting on my trans union credit profile that does not belong to me. I do not have XXXX XXXX nor have I ever had XXXX XXXX Someone has opened an account without my knowledge the account is listed from XXXX from the original creditor XXXX XXXX XXXX acct # XXXX date opened XX/XX/2022 balance is {$340.00}

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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some type of credit was lent to me on behalf of Midland Credit Management? I have never done business with Midland Credit Management. 

I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. 

I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you are not obligated by law to remove this account from my credit file. According to the FCRA, I may sue you in any qualified state or federal court including small claims court in my area. 

The following accounts should not be listed on my credit file remove these accounts 1.Midland Credit Management {$1100.00} 2.Midland Credit Management {$330.00} 3.Midland Credit Management {$560.00} 4.Midland Credit Management {$1400.00} I have attached my legal FTC Form, as well as my document from XXXX Security Breach. Please send me a notice that this account has been removed. I can be reached at the following address listed above or the email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: TX

Complaint narrative:
I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act 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.

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 2022-08-17 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: TX

Complaint narrative:
I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act 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.

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 2022-08-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act these accounts have violated my rights. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX - XXXX {$350.00} XXXX. XXXX XXXX BALANCE {$170.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions also have inquiries that do not belong to me. 

XXXX. XXXX Inquired on XX/XX/2021 2021

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 2022-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I, XXXXXXXX XXXX  XXXX, it was XX/XX/2021 when I had to go to my doctor, XXXX XXXX, in XXXX, and it happened that the doctor was not there and I needed him to check me out, and the doctor 's receptionists sent me to the emergency room because I needed a report of what I had and take it to school but it turns out that they did things to me that later not even my insurance covered me this is a robbery for me and I don't have money to pay so much

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 2022-08-17 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: NJ

Complaint narrative:
I was affected from Equifax by reporting false credit scores. Equifax assumed a vital role, which I did not consent to, in assembling and evaluating consumer credit and other information on consumers. As a consumer reporting agency, they have a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, in which they have not. They were unfair, and impartial. Theyve been furnishing my information without my consent and not respecting my privacy. They never had a permissible purpose. I never instructed them to even create the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: NC

Complaint narrative:
In a accordance with the fair credit reporting act XXXX  account below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
Hi, this servicer ( Specialized Loan Servicer, XXXX XXXX XXXX. # XXXX, XXXX XXXX, CO XXXX XXXX ) ( XXXX ) has been negligent in the way they handle their clients information. They continue to report business loans on my personal credit in error. I've called them on similar previous issues and after much time and effort they would acknowledge the error and remove the incorrect reporting. This is happening once again, they now show one active account on XXXX credit report ( after i complained it showed on my XXXX and they removed it ), balance of {$100000.00}. They also still show multiple " closed '' accounts on my XXXX report that is impacting my credit report. Please please please make sure they correct these errors and prevent them from reporting incorrectly again, this is preventing me and my new wife of purchasing our new home with all these commercial loans showing as active or closed on my credit reporting agency reports. Thank you!

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 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Back in XXXX of 2020 when the pandemic had me out of work for almost a year and half, I missed one payment with my lender, and it was reported during that time. I need help getting that missed payment removed from my credit report. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides this one unfortunate incident. Ive still remained a loyal customer to this lender despite all that has occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/XXXX, Scammers were able to access my savings to transfer XXXX to my checking account. I was lead to believe the transfer was a deposit made by the callers and was told I should send a wire transfer for the amount to their account at XXXX XXXX in California. I went to my America First Credit Union to make the wire transfer. The teller asked if I had done prior business with this company. I replied XXXX because the scammers told me they were from a company who I paid to fix my computer back in 2021. My complaint is that the teller and his supervisor were perfectly aware that I was being scammed, Still they allowed the wire transfer to take place. I spoke with another tell at that branch about policy and procedures regarding these types of scams and she told me that they are supposed to inform the customer of what they see is happening and stop the scam from being completed. My complaint is procedure was not followed by my teller even though he was totally aware I was being scammed. I pay extra for premium checking which gives extra protection to your savings account. making it harder for someone to hack. My other complaint is with the branch XXXX who failed to try and stop the transaction with XXXX XXXX even though it was reported less than XXXX minutes after, I want America First to take responsibilities and make up the loss which could have been prevented. This is a joint account but your form only allows for XXXX name to be entered as the account holder.

Company response to consumer: Closed with explanation