vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
Hello, This is in reference to an Auto Lease in year XX/XX/2017 with BMW Financial Services. 
The lease/loan was paid off in full and later updated on my credit history report that we missed a payment in XX/XX/2017. There were no missed payments during the life of the loan/lease. The late payment history showed up after the agreement expired and was paid in full. We tried contacting them 2 times by phone in XXXX, requesting the account holder furnish the data in order for us to verify and work to get the correct information to reflect on my credit report. BMW Financial Services never sent me any data showing the missed payment. When I called the following month, the person we spoke was unable to find/locate any data showing there was in fact a missed payment. I believe this information to be inaccurate and is negatively affecting my positive payment history. We are asking the account holder ( BMW Financial Services ) to remove and update the payment history to all 100 % paid on time. There is no reason to show a missed payment in XX/XX/2017. 
Warmest Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
Flagstar bank miscalculated my escrow payment by almost 100 % and is charging me over {$2000.00} extra per month. I have to make the full payment or they will impound the funds and not apply it to the payment and I will be in default. 
After contacting them by phone and email to correct the problem and providing a copy of the tax bills they have not responded.

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 2023-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NC

Complaint narrative:
Moved out of our Apartment complex at the end of lease after purchasing home on XX/XX/XXXX. We cleaned apartment and turned over keys this day on XX/XX/XXXX as the last day on the lease. Email was sent to us on XX/XX/XXXX, that we owe {$660.00} after all the deposit is used and we had 10 days to pay off our debt and collectors will be contacting us. I disagreed with the charges for new carpet as it was listed and stain to the paint. We lived there from XX/XX/XXXX through XX/XX/XXXX. Also prior that apartment had been rented out to others 6 months before for a total of XXXX years of life on the carpet. They wanted to charge us XXXX for the carpet and XXXX for the paint. I found articles that the carpet should be prorated and I should only be charged for the expected life of the carpet left. I found articles that state stated I should pay the remaining cost of the life which was set at 5 years. I should only be charged 1.5 years remaining life only and we settled for paying less. A new statement was sent to us XX/XX/XXXX for XXXX and we agreed to pay. Check was delivered on XX/XX/XXXX and cashed by the apartment complex. On XX/XX/XXXX found out a debt collector was after the original statement amount of {$660.00}. Reported to the apartment complex and mentioned this was an accounting error to us. Contacted debt collector and told them what had happened and they wanted us to submit a claim and they already reported us to creditors and these errors happen. We since have lost points on credit report from XXXX to XXXX and we feel this was a mistake of no fault of our own. Waiting on the collection agency to address this now. 

Thank you for contacting Hunter Warfield regarding account number XXXX Hunter Warfield has received the documentation you have sent and needs additional time to investigate. As soon as we have a response from our client, we will complete our investigation and promptly forward our response and any applicable documentation to your attention. 

If you have any questions, please feel free to contact our office at XXXX. Hours of operation M-F XXXXXXXX XXXX. We look forward to helping you resolve this matter. 


Support Services Department XXXX XXXX XXXX XXXX | XXXX, FL XXXX | Tel. XXXX XXXX | XXXX | Fax. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose.

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose.

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting 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. 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, 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 2023-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I regret to express my dissatisfaction with the Barclays Bank credit card service. My recent experience has left me profoundly disappointed, and I feel compelled to share my concerns. 

Firstly, I encountered a significant issue when my initial credit card failed to arrive. To exacerbate matters, I discovered an alarming {$1000.00} in fraudulent charges on my account, despite having only authorized a {$55.00} purchase. This situation prompted me to contact Barclays Bank customer service, and regrettably, I found myself subjected to extended hold times during these calls. 

Subsequently, Barclays Bank issued a replacement credit card on Monday, XX/XX/XXXX, and I promptly reported the fraudulent charges. I was assured that the new card would arrive the following day, Tuesday, XX/XX/XXXX. Unfortunately, it did not arrive as promised. My frustration grew when I called again, only to be informed that the card would be delivered today, Wednesday, XX/XX/XXXX, which, once again, did not happen. 

I must emphasize my disappointment with the lack of communication from the institution throughout this ordeal. I have yet to receive any notifications via email regarding the status of my credit card delivery or the resolution of the fraudulent charges. Such notifications are fundamental to a professional and reliable banking service. 

This unfortunate experience has compelled me to question the professionalism and reliability of Barclays Bank and GAP Credit Card. It is the first time I have encountered fraud, and I find myself reluctant to recommend this bank or its credit card services to anyone based on this distressing encounter. 

I requested Barclays Bank a prompt resolution to this matter, including the delivery of my credit card and the resolution of the fraudulent charges. Clarity and transparency in your communication would also be greatly appreciated. 

I kindly request that Consumer Financial Protection Bureau investigate this matter promptly and take the necessary steps to rectify the situation. I also request that you keep me informed of the progress and resolution of this complaint. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 
Sincerely,

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX, and Equifax continue to report inaccurate information that is damaging my consumer report and causing me harm. 

There are several inconsistencies among the reporting agencies. Please delete the inaccurate information. My name is XXXX XXXX, delete any other name it is not mine. Proof my resident is attached to this complaint as I have submitted the documents several times. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, Experian, and XXXX continue to report inaccurate information that is damaging my consumer report and causing me harm. 

There are several inconsistencies among the reporting agencies. Please delete the inaccurate information. My name is XXXX XXXX, delete any other name it is not mine. Proof my resident is attached to this complaint as I have submitted the documents several times. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Received first phone call from XXXX ( saved in my contacts as my Bank number ) at XXXX, informing there was fraudulent activity of someone trying to open an account in XXXX XXXX and performing XXXX XXXX. They gave me a cancellation code and said another rep from the XXXX department will call to get information in order to help track the fraudulent activity. Received another phone call from same number at XXXX. " Agent '' introduced himself as XXXX XXXX ID # XXXX, explained there were 2 transactions that were placed in my name. He instructed me to send money to " XXXX '' and " XXXX '', the first for XXXX and the second for XXXX. This had to be done this way to track the fraudulent activity. He was very aggressive and made me very nervous- at one point I asked him to hold and I called my bank on husband 's phone and when I hung up to get a phone call back he said that he could see in his system that I had called and that sinceI requested to speak to another agent, he would have to hang up and my account would be unsecured.

Told me to not access the account for 24 hours. Called me the next days but when I confronted him he hung up.

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 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX Tried to access mobile banking on Bank Of America app but couldnt login and checked my email and had a message saying I was under {$100.00} which led me to go into a branch. Got there and they looked up my account and told me it was closed due to a suspicious transaction with a grant check that I received which I didnt know was bad and I was scammed. Branch employee and fraud department told me I should receive a check in the mail from the currency that i already had in the account by the end of the week but when I called customer service today ( XX/XX/XXXX ) they told me that the estimated time of closing the account is XX/XX/XXXX and then they would send out a check for the balance I had

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 2023-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhard v. Gravens ( mo ) 281 sw 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in facts therefore exists

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 2023-09-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
XX/XX/2023 {$21.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX my card was deactivated and not usable. I didn't go to XXXX. The paperwork shows obvious fraudulent activity yet NetSpend refuses to give me a refund. Also I have been blocked from XXXX XXXX for staging and I only made a deposit on or around the XXXX to XXXX so I could send money to my son XXXX. We've never had any royalties or other information to access whatever they're accusing me of. I've been denied refund for purchases on XXXX  that I didn't make. I spent {$5.00} for a new card and then I was blocked. Someone is always changing my information to my debit/credit cards. Email and phone numbers change so I can not access. My address gets changed without my permission. XXXX XXXX XXXX XXXX has never sent me a bill. My information changes without my permission. XXXX charged it for {$20.00} without me presenting the card once and both {$10.00} transactions I didn't get a product. I'm being targeted by everyone and no one has given me a reason. I'm be extorted. I'm being kept from my son for four years purposely. I was denied a {$40.00} XXXX ride to the airport and I had {$89.00} available on my XXXX XXXX credit card. I missed my flight to see my son. I lost @ {$260.00} for the ticket.

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