vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: SC

Complaint narrative:
On XX/XX/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, XXXX, TransUnion, and XXXX are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In may I called American Express to inquire about what offer I would receive if I were to upgrade my American Express delta XXXX card to the reserve card. The person I spoke to on the recorded conversation struggled with explaining the upgrade process and explaining any terms and conditions, but from what I understood, if I upgraded I would receive a promotional offer of XXXX miles so I said yes to upgrading my current account. A few days later I receive a new credit card on a completely new account. I call back to find out what happened and apparently the representative have instead of upgrading my current account, opened w completely new account without my knowledge. Any explanation he had given on the phone was not something an average person would comprehend and I was shocked to find a new account opened in my name without my permission, I now had XXXX XXXX Amex cards each with their own separate yearly fee. 

I called in to resolve this miscommunication and the options I was given were to cancel the new account which would affect my credit score, or downgrade my current card to a free yearly fee card and keep my new account card with its yearly fee. I agreed to keep the new, wrongly created account with its signing bonus, but at that time when I was accepting the new account I brought it to the representatives attention that I had an offer for XXXX miles and XXXX mqms. The representative agreed they would apply that welcome offer to my card and proceeded to downgrade my other one. 

I ended up only getting the original offer and not the offer That was agreed upon for opening up an account without my knowledge. Fast forward 2 months and countless calls later American Express still refuses to give me the remaining portion of the offer that was agreed upon of XXXX more miles and XXXX mqms. I have called many times and now have to resort to filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Apparently I did make my payment late. It was due XX/XX/XXXX & I made it on XX/XX/XXXX. The money has been taken from my bank account, {$2000.00} Yeah I received a phone call letting me know my a payment was past due and I needed to make a payment. I explained that the payment had already been made and the money had been taken from my account. The customer service/collection person asked me for a confirmation number. I told her I did not have a confirmation number since I authorize the payment from my bank account and I can see that it has been deducted. The question is where has the money gone? I called the number on the back of my BJs/Commenity XXXX and I received a message that they were undergoing an update and it was taking longer than expected and to please call back. I tried to logon online and was not able to. It is now 12 days later and my card has been declined three times. I can not pay for my groceries or my gas at BJs or anywhere else. I am missing out on rewards that I should be getting and the biggest issue is that my payment isnt applied to my balance but they want me to make another payment. I am disgusted with Commenity bank right now and their lack of transparency of whatever the real problem has been.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Comerica
State: MI

Complaint narrative:
I have a master card direct express card and I get my XXXX on it on the first of every month this month on the first they allowed five people who I didn't know with the letters of in front of there names take more than a hounded dollars each out of my account and when I called to get it taken care of the man told me that he would put a hold for 7 days on the money and I had to call this number XXXX and ask that these people XXXX evens, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX would please give me back my money I never altherosized them to take it in the first place and need a cancellation # and ask for how long it will take. That was on the XXXX of XXXX at XXXX I then call the number for the rest of the night and next morning getting nothing but a busy signal only to find out that the card had given them my money anyway so I called back and had to deactivate my card get a new one and do a despute on these charges that I never altherosized that I made clean to the first person I talked to. I just want my money back I don't understand why I am being scammed by someone and why people are not listening to me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, Equifax, XXXX, and XXXX are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account XXXX : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, XXXX, XXXX, and Experian are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account Number : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account Number : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
( In accordance with the Fair Credit Reporting act the following companies have violated my rights. ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( 15 U.S.C 1681 section 602 A. States I hape the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
( In accordance with the Fair Credit Reporting act the following companies have violated my rights. ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX ) ( 15 U.S.C 1681 section 602 A. States I hape 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 explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
On XX/XX/22, I contacted Caliber Home Loans to initiate the process of having my home appraised with the goal of cancelling PMI due to the substantial increase in my home 's value. The Caliber associate I spoke with stated that I would likely not succeed in this process because of " investor requirements '' concerning cancellation of PMI. Specifically, the associate stated that the investor for my loan is XXXX XXXX, which requires a 2 year payment history before cancellation can be requested ( absent substantial improvements to the property ). However, the CFPB website states the following : " Loan investors, including XXXX XXXX and XXXX XXXX, often create their own PMI cancellation guidelines that may include PMI cancellation provisions beyond what the HPA provides. But these guidelines can not restrict the rights that the HPA provides to borrowers. For example, the HPA does not contain any requirements for a loans tenure before a borrower may request cancellation or be eligible for automatic PMI termination ( known as a seasoning requirement ). '' I believe that the 2 year payment history restriction represents an infringement of my rights under the HPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received a credit card from XXXX that I didn't apply for. The credit score was for {$300.00} and {$100.00} was already charged to the card. I did report to the XXXX  department but the moment I called Fraud department was closed so I had to contact them the following day. I contact Fraud department Saturday morning XX/XX/2022 and the account was closed and there was more information hared to me about how the account was open. The account was open online and the information I shared with the fraud department didn't not match with the information input online at the moment the account was open. The fraud department recommended that I contact XXXX and other credit score company to report this fraud and put an alert on my credit. So I contact XXXX and they recommended for me to make my repot to FTC and have you guys help with the investigation and help so this doesn't effect my crdito score.SO if you have any further questions please contact me I just don't want this to effect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Eight XXXX transactions were unauthorized by me, but transferred out of my account without me knowing, leaving it almost completely drained. The total amount is {$5800.00}! I'm XXXX XXXX XXXX and this is money I've saved over the last 3 1/2 years working part-time. I was in my last weeks of XXXX &XX/XX/XXXXduring this time and was not in my bank account so I didn't notice this was going on until I received an alert that my account balance was low. I never received a call from the bank 's fraud department questioning these transactions ( which are not in my spending pattern ) or a hold was not even put on my account. My account since has been closed so I had to redirect my current direct deposits from my job to my mom 's account until this is resolved. The transactions are as follows with the names of the individuals : XX/XX/XXXX - {$100.00} - XXXX XX/XX/XXXX - {$250.00} - XXXX XX/XX/XXXX - {$500.00} - XXXX XX/XX/XXXX - {$1000.00} - XXXX XX/XX/XXXX - {$1000.00} - XXXX XX/XX/XXXX - {$1500.00} - XXXX XX/XX/XXXX - {$1000.00} - Noble XX/XX/XXXX - {$500.00} - XX/XX/XXXX I filed a claim with Bank of America on XX/XX/XXXX and they denied it on XX/XX/XXXX in a letter I received by e-mail. My mom and I called and they said to get our wireless phone company records to prove that I didn't send texts authorizing codes for these transactions. We called XXXX and they said there were suspicious texts received in the middle of the night on XX/XX/XXXX from an invalid looking number. We faxed Bank of America these text messages records and a letter explaining everything attached to it. I received an e-mailed letter on XX/XX/XXXX denying my claim again! This is so very frustrating because it's obvious I did not do this... draining my account within 2 weeks through XXXX transactions from the money I've saved gradually over 3 1/2 years!! I need help getting this money back from Bank of America because it's my rights through Regulation E protection. 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 2022-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Credit Management, Inc
State: SC

Complaint narrative:
On XX/XX/2022, I send a debt validation letter to Executive Credit Management in reference to a debt that is not mine. I sent the letter certified mail confirmation number XXXX XXXX XXXX XXXX XXXX. According to the USPS, the company received and signed the for the certified letter on XX/XX/2022 at XXXX : XXXX am the letters was delievered and signed. But the collection agency Never responded to my request for information. The debt is not mine at all. 

According to 15 USC 1681- it is illegal for a collection to have my personal information. It is a violation of my right fo privacy.

According to 15 USC 1692 B ( 2 ) it is violation for a collection to state a consumer owes a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TN

Complaint narrative:
My house was broken into several years ago and I've been having problems with ppl using my ID to obtain things for years. Pls make this all go away!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
previous compliant XXXX Where is the method of verification with my original signature on it to support these accounts. This is fraud if you can not supply then these must be deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
I found XXXX charges for {$95.00} on my account when I checked this morning [ XXXX ]. They were all made on Saturday XXXX. All reference a city in Idaho with a random name attached. I have been calling the company but each person says they send everything to one department and nothing else can be done. The department leaves me on hold for hours and never answers. It hangs up on me at about 1.5 hours. I am currently on hold and can hear the person shuffling and a dog barking behind the hold music.

According to the credit forum this is going on with several other cardholders so I believe it is a breach.

Company response to consumer: Closed with explanation