vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 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: NJ

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. 

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 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 an account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
On XX/XX/2023, I accessed my Aidvantage account to try to understand what my interest rates would be when I start repayment. I went to " Account Summary '' and " Loan Details, '' looked through my various different student loans, and couldn't find any information about what my interest rate would be now that student loan repayments are starting again. I have included a PDF of the loan details for one of my student loans demonstrating that interest rates are displayed as 0 % with no information about where interest rates will stand in XXXX. Aidvantage seems to be hiding this information, claiming instead that the interest rates are 0 %. This makes it extremely difficult to plan repayment in advance. They do show the total to be repaid that clearly incorporates an interest rate, so they should transparently display those interest rates instead of misleading their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
recently I applied for a Bank of America merchant account for my small business and I purchased a mobile unit to accept credit cards that the bank charge {$99.00} for it I did 3 transactions and the bank told me that they were suspicious only because the address were the same. the addresses are same, the first 2 transactions were my other business paying with the business credit card to XXXX XXXX XXXX XXXX with the merchant account that also own and operate both businesses from the same office address, but to Bank of America its suspicious. this compliant is about the 3rd transaction and was last transaction before they suspended the account it was for {$1500.00} and the bank ask me for the 3 invoices for the transactions which I supplied to them containing all the information they ask for then they the close account. and the last transaction and return the {$1500.00} back to the card because the event was cancelled. The Bank did not credit my business account with the {$1500.00} that was return to the cardholder leaving the business checking short {$1500.00} even though the got the money they did not take the transaction fee of XXXX percent, but they still own the business money which their holding for 6 months, they told their excuse is if it becomes a charge back, however there won '' t be a charge back because the cardholder already got the money back, they refuse to Credit my Business with the Money for 6 months

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 2023-07-20 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: GA

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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 2023-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KP ASSET CONSULTING LLC
State: GA

Complaint narrative:
I am receiving threatening phone calls from a, Vocation Specialist, XXXX XXXX that was intended for my ex-sister-in-law, with whom I haven't spoken to in a long time, on XX/XX/XXXX, XXXX and XXXX. My voicemail clearly states my name and it isn't remotely close to my ex sister-in-law 's, we don't even have the same last name. I find it very disturbing that this company has my phone number and is calling me over and over knowing that I am not who they are trying to reach. I called the phone number that was left on my voicemail and it is for a company called KP Asset Consulting and I spoke to XXXX XXXX and she informed me that I was in my ex-sister-in-law 's folder as a potential family member or someone who might know her. I asked XXXX how she got my phone number since I know my ex-sister-in-law didn't give it to them and she stated she didn't know because her company only handles the paperwork. XXXX informed me that she would take my name off my ex-sister-in-law 's file and would inform whoever is in power that XXXX XXXX, whom I found out from XXXX is with a company called XXXX XXXX XXXX, was making threatening phone calls. I also informed her that XXXX XXXX calling me was illegal and that they could be sued and she again reiterated that they only handle the paperwork on her end and I asked her if that was the case why was their number given out instead of XXXX XXXX 's and she said it was because Vocation Specialist can't give out their personal information. I find it very interesting that they can call me regarding what should be a private issue between my ex-sister-in-law and them but they can't give our their private numbers. These companies have put me in a awkward position because I had to call me ex-sister-in-law about something that she probably finds embarrassing and which is frankly none of my business.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, I tried to buy XXXX XXXX tickets. The Seller was charging {$350.00} per ticket and I was planning to buy 3 tickets so a total of {$1000.00}. The Seller requested payment through XXXX. Prior to sending the money, I called US Bank to ask if I was covered by my bank in case this ended up being a scam. I did my due diligence by looking into the person and asking specific questions and felt like it was legit. The customer service rep at US Bank told me that I would be covered if it was a scam and all I needed to do was to call back and dispute the charge on my checking account and a claim would be opened. Unfortunately, it ended up being a scam so I called US Bank and immediately disputed the charge and opened the claim. I was told that is would take 7-10 business days to hear a decision and if it was approved then it could take 45 days to get the money back. I asked what the likelihood of this being approved given the situation and was told it was very likely as I was clearly scammed. On XX/XX/XXXX, I received a letter from US Bank telling me my claim was denied. On this letter there was no reason for denial and it says I can call US Bank and request an documents used in the investigation. I called US Bank and asked what was going on, the rep pulled up the claim and could not find any reason on her end or any documents used. The rep told me that she would reach out the claims rep and when she heard back she would call me. She never called me back. On XX/XX/XXXX, I called US Bank again to see what is going on with this claim. That rep asked if the letter gave a reason for the denial and I said no. They put me on hold to find out what was going on. When they returned all they said was it was denied and I could call the police and file a civil suit if I wanted to. When I asked, why I was told otherwise back on XX/XX/XXXX, I was not given an answer. I requested all of the documents that were used in the investigation to be mailed to me. I was lied to on multiple occasions by US Bank and how they handle this situation makes it hard to trust them. Their employees agree with me and understood my frustration and thought it was not fair as I was told on the phone.

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 2023-07-20 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
While checking my XXXX XXXX account I noticed on their XXXX XXXX reporting that my credit score dropped approximately XXXX XXXX It was XXXX and dropped to XXXX. XXXX XXXX informed me score was provided by Trans Union. I called Trans Union to find out what caused this significant drop. No resolve. I called their XXXX # only for my cal to be directed to a chat. Spent the morning trying to get answers only to find out there was no answer and referred back to XXXX #. which brings me to this complaint. I pay my bills on time and have worked very hard to built my credit. According to XXXX XXXX XXXX XXXX Trans Union is determing scores not based on facts. If they collect the data they should at least make sure they are basing their results on the most up-to-date data. Since they collect this data they should assure it's accurate before they publish a score ( something that effects when and what you can buy. Thank you, any and all consideration given will be greatly 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 2023-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I have a collection account from XX/XX/XXXX with Capital Accounts. It is a medical debt that was under XXXX . Now as of XX/XX/XXXX, they re-reported it so it dinged my credit again and they raised it to over {$500.00} so I cant take it off my credit. It is a medical debt and anything under {$500.00} is removed. It is very unethical. They should remove the new credit reporting since it is 4 years old, NOT a new debt and it was under {$500.00} for medical and should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America was my original mortgage company. Back in XXXX I went through a divorce and bankruptcy there was modifications done so I could lower payments and afford to stay in my home. My mortgage was then sold to XXXX who then was sold to XXXX XXXX. then they sold my mortgage again to XXXX XXXX  that is my current servicer on my mortgage. All was ok until I was then laid off due to XXXX in XXXX which put me in a financial bind again and it's been an uphill battle since! fast forward to today. My home sits on XXXX acres of land I am trying to sell a portion of the land to pay off my mortgage so I can stay in my home and downsize to a manageable level I am XXXX XXXX XXXX alone and trying to survive. I have buyers and we are ready to close when they pulled title work it's showing that the XXXX modifications that Bank of America did were not transferred with the XXXX mortgage when it was sold. It shows that they still hold it and they refuse to release it saying that since the loan was sold they are no longer able to release or transfer them. This is preventing my closing and needs to be addressed by BOA as soon as possible. They keep saying that it's not them but they hold the lien. I am putting in this complaint in hope something can be done about this or at the very least consumers know not to deal with BOA with their mortgages or check them if they have modified and the mortgage was sold because this will come back to bite if you choose to sell the home.

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 2023-07-20 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: ME

Complaint narrative:
On XX/XX/XXXX, my husband and I filled out a credit application with XXXX of XXXX. Immediately upon completion I received a phone call from the sales person I had been working with, XXXX. He informed me that the car smelled of cigarette smoke. We had not see the car as the dealership is in New Hampshire and we live in Maine. We were trying to complete as much of process online as we could before traveling. Once we were made aware of the smoke smell we decided not to go further with the transaction. I explicitly asked and confirmed on the phone with XXXX that nothing would go forward with applying for financing, pulling our credit report, etc... he assured me it would not. 

On XX/XX/XXXX, late in the afternoon, I started to receive alerts and emails that there had been a change in our credit report. I also receive an email from XXXX XXXX that our application has been submitted. I immediately called and spoke with XXXX. He explained that they had made an error in cancelling our appointment to purchase the car. Therefore, the business manager had done a credit inquiry. They said it was just an inquiry and nothing further. I did not push the issue at this time as the inquiry would not have an effect on our scoring. 

Monday, XX/XX/XXXX, I checked both mine and my husband credit report and it shows as a " hard pull '' and has decreased our credit scores. I reached out to XXXX, the finance manager at XXXX. He maintains that it was an inquiry due to an error in their scheduling. He also states that they did not apply for credit with XXXX. I explained to him that it is appearing on my credit as a hard pull and I would like to have it removed from both mine and my husbands reports. I told him I would be filing a complaint with CFPB because we still need to purchase a car and do not want multiple pulls of our credit.

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 2023-07-20 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime set my money to someone on XXXX XXXX not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Commennity capital doing business as Bread Cashback American Express took almost 9 months to handle the dispute of a purchase while requiring me to make payments and interest charges on {$2800.00}. Now that the dispute has been settled and the amount disputed was refunded they refuse to refund all the interest that was paid on the disputed balance for almost 9 months time period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Yes I previously sent a complaint and would like it back opened bc the payments were not returned as I instructed to XXXX XXXX from Wells Fargo I did not ask for stop payment on XXXX payments

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 2023-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: MD

Complaint narrative:
I returned some CPAP supplies to XXXX XXXX XXXX XXXX back in the fall of XXXX because I no longer needed them. I was told by a company representative in early XXXX that I no longer owed money on these supplies after I was repeatedly sent invoices for the supplies I had already returned. After that I kept getting invoices for the returned supplies despite my contacting company representatives about the amounts ranging from {$25.00} to {$40.00}, alleging that the only items I returned were XXXX nose masks when I actually returned all items in the shipment ( there weren't XXXX nose masks in the shipment ). Despite my protesting the charge for the above-mentioned reasons my account was turned over to debt collection. I wrote the debt collection company and was told I needed to contact the medical supplier in a response to a letter to them.

Company response to consumer: Closed with explanation