vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RCS Capital Partners, Inc.
State: MN

Complaint narrative:
I set up a payment plan. I paid every payment until the last two, struggling with a house fire, and a horrible car accident, I explained I need a week for my new debit card to come, to pay for it. 

The representative was SCREAMING at me through the phone, disrespectful, asking for information that isnt his business, and claiming it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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 transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-11-30 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : XXXX. ) Identity Theft CITICARDS CBNA Account number : XXXX This is not mine. 

XXXX. ) Identity Theft CXXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft XXXX XXXX XXXX Account number : XXXX This is not mine. 

XXXX. ) Identity Theft CITI Account number : XXXX This is not mine.

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 2021-11-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: NJ

Complaint narrative:
On XX/XX/2021 I informed TransUnion in writing via certified XXXX mail that they're reporting unauthorized inquiries on my consumer report. As of XX/XX/2021, I have not received a response to this matter.

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 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
BANK OF AMERICA CLOSED MY ACCOUNTS FOR NO REASON. I HAVE 100s of Bill pays set to my account, and it negatively affects my credit scorXXXX. Please reopen my accounts ending in XXXX and XXXX. See two letters attached. Please do follow up with 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 2021-11-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2021-11-30 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I don't have a contract with a binding agreement with and this is inaccurately reporting to. Submitted more than XXXX days ago and they failed provide physical proof of this XXXX XXXX XXXXXXXX Fair Collections # XXXX The following items where also on report and I did not give authorization for the following to pull or access credit and I have contacted the reporting agencies on this matter and nothing has been resolved. 

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

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 2021-11-30 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I don't have a contract with a binding agreement with and this is inaccurately reporting to. Submitted more than XXXX days ago and they failed provide physical proof of this XXXX # XXXX XXXX XXXX # XXXX The following items where also on report and I did not give authorization for the following to pull or access credit and I have contacted the reporting agencies on this matter and nothing has been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: RFNA, LP
State: GA

Complaint narrative:
I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement. 

Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party. 
( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies. 



Furthermore, the XXXX loan was an approval of a specific extension of line of credit used by my XXXX XXXX XXXXXXXX and XXXX XXXX 
15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit. 
( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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:
XXXX account opened fraudulently. Email with police report and FTC report not accepted. Multiple phone calls never answered. Messages left never responded to. 
Takes at least a week for any email response. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Now that the XXXX forebearance is over, I applied with my mortgage company, Wells Fargo Home Mortgage for assistance such as a loan modification or to at least have missed payments put to the end of the loan. 

They advised me on the initial call back in XXXX that they would not be able to tell me what I qualified for. I had to submit all required documents and they would let me know which assistance I qualified for. Basically, lets put everything in a basket and see what we can do. 

I had to call again about a week later, after not receiving any word from them as I was advised. They advised me the rep. did not do what he was supposed to and it had to be corrected. 
Throughout the XXXX  month process they have not been contacting me with any updates, as I was told they would. I have been only able to check the XXXX XXXX online to see what documents were needed and to upload them. Now that the decision was made, it doesnt have ANY information. If I had not called them today, I probably would not have known this decision until it was too late and my home would be in foreclosure. 

Now, after XXXX months they advise me I do not qualify for ANY assistance because I do not make enough money. They can not modify my payment or interest rate and I have to make all the back payments and resume regular payments. 
If I do not make enough money, how can I repay this lump sum AND resume regular payments?! 

I was then given information on XXXX sale options. 
When I became upset and demanded an explanation, he went on to say how I specifically requested the modification and went on to explain it was denied because I do not make enough money. I would only be calling them every month pleading for more help. 

Be advised this is my XXXX  mortgage with them. I qualified almost immediately for my XXXX mortgage, AND the payment and interest rate was reduced. 
( I applied for and was approved for the XXXX loan AFTER I applied for this one. ) How do I qualify for modification with the same company for XXXX loan, but not the other?! 

I would also like to add that I have had this loan for over XXXX  years and even when my account was up to date, it has only been reduced by all those years of payments, by {$5000.00}. 

Also, be advised this is the XXXX time this has occurred with Wells Fargo, where they approve a modification for the main mortgage, but not this one. 

I feel that they have and still are attempting to steal my home with these questionable actions and your investigation and assistance into the integrity of this loan would be greatly appreciated. 

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 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
well I lost my home 2017 BOA Transfer my loans services to different loans services entities and this is last i have XXXX XXXX XXXX XXXXXXXX this company and BOA never want to WORK WITH ME so my home was sold and me and my family become 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 2021-11-30 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: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2021-11-30 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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX I was subject to fraudulent charges on my Citi bank credit card account. My wallet was stolen which contained my ID, and XXXX credit cards. My other credit card company quickly rectified the situation after I reported my card stolen. I also reported to Citi that my wallet, ID, and card were stolen. However, Citibank has yet to resolve the XXXX charges totaling {$1100.00} dollars. 

The case was originally closed in XXXX after Citi spoke to the merchant without any follow up or requests for additional information to me. I formally requested that the case be re-opened and that I was further disputing the resolution. Over the last XXXX days, I have provided a variety of information requested by Citi including : Police report for the stolen wallet XXXX appointment confirmation for new license replacement New license XXXX receipt Original Citi Fraud Alert dated XX/XX/XXXX where they themselves flagged the activity as fraud Resolution notice from my other credit card company that successfully already resolved The information seems to go into a black hole, and the level of support from Citi has been very discouraging and does not appear to follow the regulations set forth in the Fair Credit Billing Act. The basis for my complaint includes the following : The total time this has been ongoing is now XXXX days which well exceeds the XXXX expectations laid out by the Fair Credit Billing Act. 
The lack of communication from the Citi phone representatives has been extremely disappointing as they dont have the latest information and have required me to repeat information every time I call in asking for updates. 
No real updates are ever provided other than that another team is looking into it, yet they have no way for me to contact the other team. 
The conduct and demeanor of the phone representatives have been accusatory and discriminatory in nature. Instead of looking out for my best interest as a XXXX year customer I feel taken advantage of and left unprotected. 
Not reopening the case despite my formal request to do so verbally and in writing. This goes against the Fair Credit Billing Act. 
They have charged me interest and late fees even though these charges are under investigation which goes against the Fair Credit Billing Act for charges under investigation. 
They have reported by account delinquent to credit agencies XXXX and XXXX which has now dropped by credit score by XXXX points. This goes against the Fair Credit Billing Act for charges under 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 explanation