vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX. Account name : XXXXXXXX XXXX, XXXX Original creditor : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX creditor : XXXX XXXX Account Number : XXXX XXXX. XXXX. Account XXXX : XXXX XXXX : Account XXXX XXXX. XXXX : Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX XXXX ; Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX 's Account Number 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 2022-11-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX. Account name : XXXXXXXX XXXX, XXXX Original creditor : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Account Number : XXXX XXXX. XXXX. Account XXXX : XXXX XXXX : Account XXXX XXXX. XXXX : Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX XXXX ; Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX 's Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hi, My name is XXXX XXXX and i have been a BofA customer since XXXX and am a XXXX customer for the bank.. 



Complaint details : Last week i had put some furniture for sale and a person texted and called me showing interest to buy the furniture. The customer ( XXXX XXXX ) sent me a Cashiers Check for an amount of {$1700.00} ( {$500.00} for XXXX and {$1200.00} for transportation ). 



i deposited the check on XX/XX/XXXX and BofA took 1 day to verify and credit {$1700.00} into my account and i was asked by customer to transfer {$1200.00} to the transporting company once the check gets credited using XXXX another service provided by the Bank. 



Same day based on a call with the customer i got suspicious and asked the bank to stop the transaction of {$1200.00} ( on XXXX ) to this transportation company as it was still in processing and the movers never delivered the service as agreed. 



Late friday night ( XXXX ) i saw that {$1700.00} was being debited from my account by BofA saying that the Cashier 's check was fake. 







Issues : As a customer i trusted bank for XXXX of its services. first Cashiers Check and XXXX to do online transactions and Bank is refusing to block the {$1700.00} debit or {$1200.00} XXXX transfer. and as a customer i was cheated by a scamster. With BofA not taking responsibility and have stringent process in place it is helping scamsters to cheat lots of customers. 



Appreciate DOB helping me and other such customers from getting cheated and making Bank liable for giving scamsters loop holes that they can cheat customers. 



i have called and spoken to multiple support people from the bank and they are refusing to help. 



Thanks 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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I requested my XXXX score for the first time this year in XXXX  from all XXXX credit bureaus. With using XXXX, none of my XXXX scores were available to be reviewed by myself. I contacted XXXX that none of my XXXX scores were displayed and was directed to contact each of the bureaus. I contacted XXXX on XX/XX/2022 that my score were not available, with proceeding to view the scores on XXXX the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. XXXX  XX/XX/2022 there are still no XXXX scores available to me. 

Under law " XXXXXXXX XXXX XXXX XXXX XXXXeq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by 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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I requested my XXXX score for the first time this XXXX in XXXX from all XXXX credit bureaus. With using XXXX, none of my XXXX scores were available to be reviewed by myself. I contacted XXXX that none of my XXXX  scores were displayed and was directed to contact each of the bureaus. I contacted XXXX on XX/XX/2022 that my score were not available, with proceeding to view the scores on XXXX the exact same situation and error attached occurred. No scores to be reported. I proceeded to call each of the other bureaus with the exact same response. I was told each out put in a dispute to update my scores. XXXX XXXXXX/XX/2022 there are still no XXXX  scores available to me. 

Under law " XXXX XXXX XXXX  et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
I am writing about my account with Nissan Motor Account # XXXX. I attempted to reach out to Nissan to resolve this matter. I am requesting the original lease agreement which I signed. I would also like the full payment history for the duration on the lease since I believe some inaccuracies are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hello Reviewer, My credit score has been negatively impacted because of a false statement produced by Synchrony Bank. Synchrony closed my Guitar Center credit card because of ; a lack of real estate information, balances on accounts too high compared to credit limits, too few accounts paid as agreed and not enough balance paid down over time.

Synchrony Bank is in violation of the Unfair, Deceptive, or Abusive Acts or Practices stated in the XXXX XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX. I do own real estate, I have paid all my debts on time with Guitar Center/Synchrony and even paid off my debts early on two accounts. I have not gone over my credit limit. I requested to increase my credit limit with Synchrony and they accepted it. They set my limit to {$2700.00} and I had only spent {$820.00} recently. This is a utilization of 30 %. I have never been delinquent on any payments with Synchrony Bank in regards to the Guitar Center card and have paid off my balances before they were due. With the Guitar Center card I had, I took out a total of 3 loans. 2 in XXXX and XXXX in XXXX. Both loans from XXXX were paid off before their due dates as I had a 24 month 0 % APR financing. The most recent loan was for {$820.00} and 0 % APR for 48 months. I have made all payments on time with this most recent loan.

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 2022-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
XXXX indicates date of service as XX/XX/13. This is almost 10 years. A debt that I don't know if it's mine and/or if it was paid off, since I have always had Health Insurance XXXX They say I owe the debt to XXXX XXXX XXXX XXXX. XXXX does not indicate who the Provider was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: OH

Complaint narrative:
Hard inquiries on my credit report that should not be on there are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my credit score. I did not apply for a car loan at those places mentioned above for i am not XXXX and have not been XXXX. The incorrect information on my credit report has my credit score below where it suppose to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: OH

Complaint narrative:
Hard inquiries on my credit report that should not be on there are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my XXXX XXXX. I did not apply for a car loan at those places mentioned above for i am not XXXX and have not been XXXX. The incorrect information on my credit report has my XXXX XXXX below where it suppose to be.

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 2022-11-07 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: FL

Complaint narrative:
We have come to find out that our account was hacked and thieves have been making purchases through a virtual card which the bank allows them to use. These thieves have our personal information and anyone that had access to that can basically sign onto their system, set up a false virtual card number, and start making purchases. The bank even issues them a pin code. And they do not validate just assume it's us! WOW! Our bank accounts and limited credit cards, even though replaced, have experienced this!

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Credit Reporting Act XXXXXXXX XXXX XXXX reported by Experian reported for the months of XX/XX/2022 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account for 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 2022-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I took out an auto loan with ally financial through the dealership I bought my car from back in XXXX. Then in XXXX I refinanced my loan through XXXX XXXX XXXX XXXX. Earlier this year I got a letter from XXXX XXXX stating they needed the lean recorded title sent to them which would have their name on it as the lean holder. I was on the phone with both institutions back in I'd like to say XXXX of XXXX and XXXX XXXX requested the lean release letter to be sent out. I was also to receive a copy and was told to take that, the title and my XXXX XXXX promissory note to the XXXX to get the lean re-recorded. About a week or XXXX ago I went to the XXXX and they told me I needed a notarized letter from Ally stating they handed the lean to XXXX XXXX. I called Ally that day and asked them to fax it over to the XXXX and was told it would get there within XXXX to XXXX business days. The XXXX also stated when they received it they would contact me. Now here we are today on XX/XX/XXXX and nothing has showed up. I once again called Ally and asked what was going on, they stated they could not send the notarized letter to my XXXX directly that it had to go to XXXX XXXX and that they would have to once again request it. Mind you this would be the third time XXXX XXXX would be requesting it. I had both institutions on the phone today and Ally claimed they sent the notarized letter to XXXX XXXX twice and XXXX XXXX claims they never got it. Now Ally has stated it will be in the mail to XXXX XXXX today and will take up to XXXX business days to get to them and then XXXX XXXX has to send it to me so I can re-record the lean. Meanwhile I now have to pay a significant increase of interest to my car payment causing my payment to go from XXXX to XXXX which doesn't seem like a lot but I am living off XXXX income due to the fact my husband is XXXX and can't work and we can not afford this increase. I find this whole situation unnecessary and have been given the run around. I contacted my lawyer who advised to put in the complaint to the CFPB to have this matter investigated and to be sure things are getting done as they are supposed to, so that I may finally get my part of all this taken care of and so my interest rate does not go up. I am afraid none of this will be done by XXXX XXXX 's due date of XX/XX/XXXX and I will be forced to pay the higher amount I can not afford.

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 i went to a chase ATM and deposited {$300.00} total in XXXX bills of {$10.00}. The ATM shutdown and malfunctioned resulting in eating the {$300.00} i deposited into the machine. I immediately called chase customer support as advised on the machine. They issued me a temporary reimbursement the same day. Today XX/XX/2022 Chase issued a claim reversal and the amount of {$300.00} which was reimbursed, was taken from my account again. I called Chase and they told me my claim was denied as they did not find the {$300.00} in the ATM. I find this impossible as i did insert {$300.00} and was never deposited into my account due to ATM shutting down. There must be video footage in the ATM that can show me inserting the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose kindly do it payment as agreed or payment on time.

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 2022-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act Caliber Home Loans Account # XXXX has violated my rights. 
15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1681a Definitions ; rules of construction- Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 UCS 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: KY

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 2022-11-07 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In my attempt to raise my credit score ( and get a home loan ) I discovered that Comenity Bank/Bread Financial had not reported my account payments or balance to any credit Bureau in over 5 months. It appears the last report they submitted was at the beginning of XXXX. It was in fact, just after a missed payment, leading to a drop in my score of over XXXX points. Since then I have worked diligently to pay off the remaining balance of the account ( currently {$0.00} ). But the account still shows up on my credit report with an outstanding balance of nearly {$4000.00}. I reached out to their Customer service call center and recieved no assistance. XXXX, the XXXX memeber that I spoke with, attempted to find and send me an official letter stating the current standing of my account. I never recieved that letter. Next I reached out through their online message center, where I clearly outlined the situation. XXXX XXXX, the representative that responded, completely dodged my request and said that they are not able to report the information because of a " recent system update ''. 

Call to Comenity XXXX XXXX XXXX XXXX XXXXXXXX, XXXX minutes, no result. 
Email to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, response unsatisfactory. 
Call to CFPB - XXXX XXXX, XXXX XXXX Directed me to this complaint system, very helpful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/22, I was notified that {$3500.00}, in XXXX transactions of {$1000.00}, {$500.00}, and {$2000.00}, was withdrawn from an ATM in XXXX. I was in XXXX MO in college. I have proof from a coach that I was with him on this day. I submitted a fraud report to Wells Fargo the day of the transactions. They closed the case and denied any return on my money because they said any PIN transactions are automatically not considered fraud. They said that I could submit a police report and with it I could reopen my case for further investigation. I called again and they said that the case was closed and the decision was final. They did not explain how {$3500.00} could be withdrawn from an ATM when the limit for my account was {$300.00} to my knowledge. They would not listen to the fact that I have proof that I was not in XXXX nor did I ever loan out my card nor was my card lost or stolen. It was in my possession the whole time. On XX/XX/22, I called to raise my daily spending limit so that I could pay for college. However, I did not raise my ATM limit.

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