vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this 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 XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received a computer generated letter the first week in XXXX XXXX XXXX from Midland Credit Management stating that i owed them XXXX from a XXXX XXXX Credit card. 
Upon reviewing my consumer report i see that this was reported on my report. I wrote them a letter disputing the debt and requested proper and complete validation of this debt according to federal guidelines and not to contact me until they have sent me the proper validation. This letter was received on XX/XX/XXXX by them. They have neither ceased collection attempts or furnished me with the proper validation. I have told them that until they do the debt will be considered invalid. i will attach the letter that i sent to them along with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I applied for a mortgage with XXXX. Because my 2021 tax return was amended but not yet processed by the IRS. They denied the loan. However, because my amended returns were not yet processed, they placed a " credit reject '' in my FHA file database. Now, no FHA lender can approve me. I spoke with a manager at XXXX and he claimed they file a credit reject with everyone they deny, even know a mortgage lawyer stated today, credit rejects placed into an FHA file are only supposed to be for people who pose a significant risk and are associated with fraud before. They refuse to remove it and now I can't get any FHA loan, apparently because my amended taxes haven't been processed. How can they ruin my life? I don't have a home and now I can't get one ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I make several payments towards my credit card periodically throughout the month. I pay online through a linked account with my XXXX XXXX checking account.EVERY time I make a payment Barclays Bank, my credit card company, hold the money for 7 days AFTER the funds have cleared my bank, making it therefore unavailable for me to use.

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 2022-07-09 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: EQUIFAX, INC.
State: IL

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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: IL

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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently sent XXXX, Equifax, And XXXX Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
N Accordance with the fair credit act 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Date : XX/XX/2022 Dear, Experian I just received my investigation results. Report XXXX : XXXX And saw account were verified. However, I have a few question : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, I was reading FCRA and noticed you violated these laws as well : 15 USC1681 ( a ) ( 4 ) 15 USC1681 ( e ) 15 USC1681 ( a ) ( 2 ) 15 USC1681 ( 5 ) ( A ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, 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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This afternoon I received a notification that there's a hard inquiry on my credit from TransUnion for XXXX XXXX credit card that I never applied for. I'm requesting to have this inquiry removed from my 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 explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently sent Experian, XXXX, And XXXX Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.

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 2022-07-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The California XXXX XXXX payment issued to BOA debit card services by XXXX is a fraud! 

I am a victim of fraud! By XXXX BOA pre paid card services I am XXXX and my funds have been Fraudulently been confiscated, By Bank of America. 

On XX/XX/2022 I received a text message from XXXX indicating my disabilty funds were frozen and I needed to follow a link to XXXX. The link was http XXXX XXXX After following the link it sent me to Bank of America website where it asks to identify myself with a series of questions ; where I was born, what my favorite animal is, my favorite color, my family names etc. 

The following day my entire funds of {$1000.00} had been wiped out! My entire XXXX funds stolen! 

I call BOA pre paid card services XXXX number the Representatives are very unprofessional not adequately phone train have zero phone etiquette Very very unprofessional. 

I was told I could not file a claim with the Bank of America ( bank ) I had to file a claim through them the ( BOA prepaid card services ) which is a different entity from the bank but still part of Bank of America.?, I had to follow a series of questions to identify myself, then a new card would be issued ; but regarding the funds of over {$1000.00}. that were stolen by fake wire transfer ; Would be investigated would take up to 45 to 90 days after they determine their investigation. 

I have been taken advantaged of by BOA pre paid card services! I was sent this link by BOA please review the links attached as I took screen shots I have no money to pay my rent! I am a victim of fraud this was my entire XXXX  grant balance! They took all my money! 

Claim number to BOA pre paid card service phone number is XXXX Address to claims is Bank of America pre paid card services XXXX XXXX XXXX XXXX AZ. 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 2022-07-09 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 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 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 2022-07-09 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 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 a Account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
N Accordance with the fair credit act 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 a account without instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I went online to pay my Barclaycard US bill on the day it was due. I have paperless billing. On the home page when I logged in on my personal computer, I saw a " posted transaction '' of {$29.00} for a late payment fee. When I tried to dispute the charge using the online option with the transaction, I received a pop up message that the charge was not eligible to be disputed using the form and to call. Since I was not late I immediately called the company and was told that they automatically post the fee on payment due dates and that it is automatically removed when a payment is paid on time. They also said that it was in my agreement and that the only way to avoid it was to pay before the due date. 

I checked my previous transaction history and saw XXXX additional {$29.00} late fee transactions on XX/XX/22 and XX/XX/22 in addition to the XX/XX/XXXX charge. The transaction states " on statement as LATE PAYMENT FEE ''. My due date is the XXXX of each month and my payment was made on time for both of those dates which the representative verbally validated. 

When I asked for them to show me where to see where the charges were removed or credited back, I was told that it's done automatically and doesn't show on the transactions or statements. 

The problem is that neither the fee nor the removal shows on my statement in spite of the fact that the transaction says it shows on the statement as a late payment fee. It also doesn't show as an additional transaction. 

I told the representative that if I was charged then I should also be able to see where I was credited and asked where I could find that information online or on the statement. They basically told me the system wasn't set up that way and that the late fee transactions, both charge and credit, wouldn't show up on the statements or online if a payment had been made on time, and that if it wasn't on the statement then I didn't need to worry and that it had been removed. 

They confirmed a late charge is charged and I have that documentation in the transaction but no way to confirm the charge was removed. Additionally, if they state that a transaction is on a statement in writing but verbally say it won't show if my payment is made on time, then I have no way to validate the removal of the charge. 

I can't believe it is legal to charge and credit my account without the charge and credit showing on my statement or the credit not showing as a transaction on my online account. How are they allowed to state a transaction will show on a statement and then not do it? 

When I asked for documentation of late charge removal for the three dates, they said it would take 7-10 business days to be sent to me. I shouldn't have to request documentation of a charge removal.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently sent XXXX, XXXX, And TransUnion Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.

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 2022-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Fundo LLC
State: NC

Complaint narrative:
I borrowed {$1200.00} from this company but only received {$1000.00}. Ive paid back {$1400.00} as noted in the contract and now the company wants an additional {$5000.00}. Additionally the company went as far as writing a fraudulent check in my name and forged my signature in an attempt to withdraw more money. They have also file a XXXX against me and are still attempting to take more money after.

Company response to consumer: Closed with explanation