vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 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:
I have sent several Disputes to Equifax, XXXX and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. The credit bureaus stated that my account was properly investigation, 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 A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions. It has been over 30 days they did not provide the verification of these accounts listed below that ae on my credit report that they have stated that they agree. 

XXXX  XXXX Account number XXXX, Account name XXXX XXXXXXXX Account number XXXX, XXXX XXXXXXXX Account number XXXX, XXXX XXXXXXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account through Citibank 's online portal on XX/XX/XXXX. Soon after receiving my debit card and making a few transactions, I switched my direct deposit over to my new citi bank from my previous bank. Without notice on XX/XX/XXXX, Citibank blocked both my checking and savings account. When logging in to my account I could only see a message that read, " information for closed accounts is not available ''. 

Immediately I called CITI bank and was told my account had been referred to their fraud department where I was transferred. I was told by the fraud department that the account had been referred for closure and that there was no further information they could share, and promptly hung up on. I tried this a few times and got the same answer 3 times. I went to my local CITI branch and was told by bankers that there was nothing they could do as the online banking process operates separately from them ( which sounds very sketchy ). 

Without any information or way to access my account to find out where my pay from my job has gone, I'm stuck with bills and expenses in hand and am told by CITI I have to wait up to 60 days to receive any funds that I might be owed. 

Absolutely awful experience that's going to cost me more than I would have paid if I'd just stuck with my old bank. I feel very sorry I tried to switch to what was advertised as a friendly customer-centric bank and am now being told all of the funds I rely on day-to-day are going to be held XXXX for up to 60 days.

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 2022-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX, I received an email from bank of america ( BOA ) stating that my " ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I promptly checked my checking account later that morning and noticed three, consecutive, unauthorized ATM withdrawals of {$300.00}, totaling to {$900.00} of unauthorized transactions that occurred on XX/XX/XXXX ( of the present year ). I promptly contacted BOA later that morning to dispute the charges as a fraudulent transaction. On XX/XX/XXXX, BOA gave my account a temporary credit of {$900.00}, along with sending a new debit/ATM card. On XX/XX/XXXX, BOA stated that they were reversing the credit, stating that " The charge was authorized by you or made by someone who has permission to use the card or account. '' The " research '' their team used was " the information you provided with your claim, your account history, the monthly account statements we sent you. '' This investigation was not done wholeheartedly nor in good faith, and I find astounding that a bank would notify someone of a potential compromise then hold them responsible for their own ( BOA ) failings. For reference, this is not the first time that my BOA debit card has been compromised.

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 2022-06-15 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 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 XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX 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 non-monetary relief
Consumer complaint received 2022-06-15 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: 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 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 XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: FL

Complaint narrative:
CFPB Response Closed With Explanation XXXX XXXX ( Case # XXXX ) XX/XX/2022 Client Services , IncXXXX XXXX XXXX ) is a financial services provider, which represents clients in recovering delinquent account balances. Please be aware, XXXX does not purchase delinquent debt or file litigation against consumers. XXXX collection efforts are limited to telephone calls and written correspondence. XXXX appreciates that XXXX XXXX has taken the time to make the company aware of the situation. XXXX strives to build and maintain good relationships with consumers and appreciates all opportunities to resolve consumer concerns. Please be assured that XXXX takes all complaints very seriously. XXXX has conducted a thorough investigation of XXXX XXXX claims. We received XXXX XXXX accounts on XXXX. Per XXXX XXXX request, the accounts have been placed in cease and desist status and XXXX XXXX will not receive any more communication from Client Services , Inc . If they would like to discuss this matter, XXXX can be reached at XXXX. Thank you for giving XXXX the opportunity to investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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 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 us 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 XXXX 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 XXXX 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 XXXX XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2022 our loan was transferred from XXXX XXXX to Specialized Loan Servicing. We have XXXX borrowers on our account. I have made multiple attempts to access my loan, but am not allowed to post a payment or create an account, because I am listed as # XXXX on the loan. 

It is unacceptable that I can not access my account. I have made numerous attempts online and over the phone. 

The employees are rude and unhelpful, their phone system continuously disconnects you. Our payment is due today, and we have been unable to post the payment. They insist on charging exorbitant fees if you don't pay online, but will not grant online access.

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 2022-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
Consumer 's account was assigned to NCM on XX/XX/21 for collections, by XXXX XXXX XXXX  University. NCM attempted to discuss account with consumer but consumer hung up the phone. Validation information was sent to consumer on XX/XX/21 explaining that consumer is responsible for the remaining charges for enrollment to the University. Since consumer has disputed the account. NCM has closed the account back to XXXX XXXX XXXX University and consumer can contact the University to discuss the account. 

Since this account is closed and NCM has sent the account back to XXXX XXXX XXXX University you have no business reporting this false and fraudulent account on this alleged debt you never had any rights to report on my consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: OH

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
A credit card and checking account was opened in my name with Truist Bank under identity theft.

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 2022-06-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act - XXXX  XXXX XXXX, has violated my rights. 

15 U.S.C 1605 Determination of finance charge 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
We have been trying to get out of forbearance since XX/XX/2022, It is now XX/XX/2022. We have sent over every single documentation they have asked us for, and even then it was difficult for them to say they received everything they needed. We are tired of waiting for some documents we have to sign to receive, supposedly it only takes XXXX business days to receive and its been over a month since. 
Every time we call it is something different, they say they sent out documents with modifications to our loan and to get us back on track but we still have not received anything. Its been over 2 months with this back and forth. What we want is to start making payments to our mortgage and get back on track. There is always a different story whenever we call to follow up. We need this to get resolved ASAP. 
We have to get out of the forbearance.

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 2022-06-15 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: Consolidated Information Services Solutions, LLC
State: GA

Complaint narrative:
Disputing inquiries that I did not approve of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Disputing inquiries that I did not approve of

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 2022-06-15 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX 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 2022-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I paid off a vehicle loan with BMO Harris on XX/XX/XXXX. 

BMO Harris subsequently took my normal loan payment amount of {$230.00} out of my account on XX/XX/XXXX. 

I reviewed my BMO Harris online portal and confirmed there was no option to cancel payments ( as the loan was paid off the account was closed ). 

I subsequently sent BMO Harris a message using their online portal informing them of the issue and requesting a refund of the illegal withdrawal. 

BMO Harris responded saying they would refund the money and account the closed. 

On XX/XX/XXXX I received an automated email from BMO Harris stating they would withdraw funds for my payment in 3 business days. I immediately called BMO Harris and spoke to a woman on the phone. She said the account was closed and automatic payments were canceled. However, she would mail me a form to sign and complete to ensure fund weren't withdrawn. 

ON XX/XX/XXXX BMO Harris withdrew another {$230.00} from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I receive email notification that my new VISA card, ( a replacement card ) had been charged {$350.00} by merchant, ( XXXX XXXX on or around XX/XX/22 without my knowledge or approval. 

I contacted BOA to determine how XXXX was able to obtain my new credit card information as it was not on file with the merchant and their response was ; the information was obtained through the " Account Updater Program '' something I knew nothing about. 

I then requested that the " Account Updater Program '' be disabled for my credit card and BOA said that this was a service offered by Visa and I'd have to contact them in order to disable service.

I then contacted VISA to have " Account Updater Program '' disabled and they said that was not possible. I'm not sure how this is legal but it would seem that the merchant has more control over my credit card information than I do and this is totally unacceptable.

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