vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Yes I called XXXX and Experian CRA and their specialized handling department is never there to answer the phone they put me though several agents who pass me around over the phone just to get to the specilaized handling department and the phones continues to hang up in my face. This means I cant get to anyone to deal with issues i am having with my credit report. I will just pursue legal action. This stems from a letter mailed to Experian and XXXX certified mail ON XXXX XXXX TRACKING # XXXX RETURN RECIEPT which contained all my proof of identity and they sent a stall letter telling me they would not investigate. By law they have to and they will or they will be sued. They ARE CAUSING FINANCIAL HARM TO ME. I have sent the necessary proof of identity theft CONDUCTED FROM XXXXXXXX XXXX, ARKANSAS XXXX XXXX XXXX AND XXXX XXXX  and I DEMAND REMOVAL IMMEDIATELY!!! XXXX has conducted identity theft themselves along with the disputed ITEMS BECAUSE THEY have coerced through the alteration of XXXX XXXX XXXX a flesh and blood person to XXXX XXXX XXXX Entity or Debtor format! The attachment of this entity without any contractual full disclosure or meeting is IDENTITY THEFT IN THE FORM OF POWER OF ATTORNEY OVER MY LEGAL MATTERS IN ORDER FOR THEM TO ALTER INFORMATION THAT I PERSONALY PROVIDED TO THEM IN CONTRACT. XXXX IS TAKING MONETARY PAYMENT TO ILLEGALLY REPORT IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - US DEPT. OF EDUCATIONXXXX Account Number : XXXX XXXX - XXXX XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with The Fair Credit Reporting Act -XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : # # # # # # XXXX - XXXX XXXX BANK NA Account Number : XXXX XXXX - XXXX XXXX XXXX  Account Number : XXXX XXXX - XXXX XXXX Account Number : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - US DEPT. OF EDUCATIONXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : 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 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for an XXXX XXXX online and I received an e mail asking me to provide my personal information so they could tell me if my application for this credit card was approved or not. I fell for this scam e mail and I gave this hacker my social security number, my zip code and my birth date. There has been no fraudulent activity on my accounts as of yet, but I'm sure there will be soon as this hacker now has the last XXXX digits of my social security number as well as my birth date. This is why I am reporting this. Thank you and I hope you can help 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 2022-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022, there were three ( 3 ) unauthorized transfers of money out of my wife and my Bank of America accounts using XXXX. I called Bank of America to report the fraud/unauthorized XXXX transactions XXXX XXXX. Bank of America provided me with a claim number, locked our accounts and assured me that they would do an investigation. The three ( 3 ) unauthorized XXXX transactions were unusual since I did not use Bank of America to transfer monies out of my account using XXXX to this criminal ever. My wife and I did not add this criminal or his/her cell number or email address to my list of XXXX Recipients XXXX I never transferred such large amounts using XXXX nor have I or my wife ever sent anyone money using XXXX muliple times in one ( 1 ) day. It would be easy for Bank of America to flag such unusual activity on our accounts. Yet, Bank of America instead of safe guarding our money, permitted this fraudulent activity to take place. Even when provided with an XXXX Police report, Bank of America chose to protect themselves rather than protect my wife and I. This was a crime and Bank of America has refused to restore the money that was stolen. 
From acct # XXXX {$1000.00} stolen on XXXX {$200.00} stolen on XXXX From acct # XXXX {$300.00} stolen on XXXX I filed an police report with XXXX and a Identity Theft Report with the Federal Trade Commission. I provided these items to Bank of America by email on XX/XX/2022 and by Fax on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Self Financial Inc.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and there is no update very much over 30 days, no results nor feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
On XX/XX/XXXX I received my paid in full notice for a XXXX XXXX XXXX credit card from XXXX XXXX XXXX XXXX XXXX. I had previously settled with them for the amount of {$4700.00}. The notice, which I have included in this complaint indicates that the matter is closed both with them and their client. Recently, in XXXX a debt collection agency for Shermeta Law group has been attempting to collect on the debt, despite the fact that it had been satisfied with the previous collector. I have contacted Shermeta, and they indicated that if I sent the relevant document they would review it and respond to my concerns, generally within XXXX hours. This was several weeks ago and they are no longer responding to me, despite the fact that the Paid in full notice I sent them features the very account number that they are currently trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For XXXX years equifax has refused to investigate, or have stated that they verified the bankruptcy XXXX on my report, it can not be verified they refused to respomd to numerous disputes and in some cases didnt respond. I have done numerous complaints to the cfpb, i want this account deleted immediately and i seek damages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

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

15 USC 1681 Sec604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
This creditor is making it hard for me to move on to a better XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CEASE AND DESIST CAPITAL ONE Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Do not close my account ( s ) without my authorized permission. 
XXXX out the balance on this account. 
Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Client Services, Inc.
State: KY

Complaint narrative:
Multiple calls each week from Client Services regarding a very old payday loan debt that was discharged in bankruptcy. I have asked them to stop both nicely and not so nice and they continue to call and threaten to take me to court. Not sure of the amount, it is less than {$1000.00}. They called on XX/XX/2022 and they call once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Yes I called XXXX CRA and their specialized handling department is never there to answer the phone they put me though several agents who pass me around over the phone just to get to the specialized handling department and the phones continues to hang up in my face. This means I cant get to anyone to deal with issues i am having with my credit report. I will just pursue legal action. This stems from a letter mailed to Experian and XXXX certified mail ON XXXX XXXX TRACKING # XXXX RETURN RECIEPT. EXPERIAN XXXX WITH RETURN RECIEPT ALSO. Which contained all my proof of identity and they sent a stall letter telling me they would not investigate. By law they have to and they will or they will be sued. They ARE CAUSING FINANCIAL HARM TO ME. I have sent the necessary proof of identity theft CONDUCTED FROM XXXX XXXX, ARKANSAS XXXX XXXX XXXX AND XXXX XXXX and I DEMAND REMOVAL IMMEDIATELY!!! XXXX AND Experian have conducted identity theft themselves along with the disputed ITEMS BECAUSE THEY have coerced through the alteration of XXXX XXXX XXXX a flesh and blood person to XXXX XXXX XXXX Entity or Debtor format! The attachment of this entity without any contractual full disclosure or meeting is IDENTITY THEFT IN THE FORM OF POWER OF ATTORNEY OVER MY LEGAL MATTERS IN ORDER FOR THEM TO ALTER INFORMATION THAT I PERSONALY PROVIDED TO THEM IN CONTRACT. XXXX and EXPERIAN IS TAKING MONETARY PAYMENT TO ILLEGALLY REPORT IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage loan was with XXXX  XXXX  with auto pay for monthly loan payment. On XX/XX/2022, XXXX  XXXX  informed me that the loan processor is changed and the new loan processor will be shellpoint financial and they will communicate with me, but I didnt get any notification from shellpoint financial with the new account information to make payment. I was under impression that the previous lender might have transferred all of my information until I received a certified mail stating that I was behind on my payment. 
As per the notification received by certified mail, I made payment on the same day and setup autopay for the future payments. The lender had multiple means to communicate with me like my home/cell phone numbers as well as my emails ( XXXX XXXX- the original lender, always communicates with me through email ) but I have never received any notification or voice message via those means and the lender reported me to credit report agency stating that I was late on payments. 
When I reached to shellpoint customer service, they had my contact phone # wrong and no word about any Email communication sent. 
I am very responsible person and manage my finance pretty well and have never been late in my payments. Your office can check my credit history and see that don't have any history of late payments. 

During this era of communications they had all my information from the previous lender, how come they couldnt reach me through mail, email or phone call or text.It is the negligence on the part of the lender and I shouldnt be penalized for their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a Balance Transfer with this credit card that I initiated on XXXX for {$15000.00} with a 0 % promotional rate. I still have been making small purchases on my card, which have been paid in full within days of the transaction being made on my account, yet month after month I am showing a higher amount subject to interest and the interest due increasing. I have made payments in excess of the minimum, but Chase has not been applying those payments to the purchases with the higher interest rate as stated in the credit card act of 2009. I have attached statements to support my claims, but here is the key points in a nut shell. 

XXXX Balance subject to Interest {$0.00} Purchases {$200.00} Payments {$330.00} XXXX balance transfer of {$15000.00} fee {$600.00} XXXX Balance subject to Interest {$130.00} Interest charged {$2.00} Purchases {$250.00} Payments {$390.00} XXXX Balance subject to Interest {$280.00} Interest charged {$5.00} Purchases {$290.00} Payments {$5700.00} XXXX Balance subject to Interest {$330.00} Interest charged {$6.00} Purchases {$440.00} Payments {$660.00} XXXX Balance subject to Interest {$460.00} Interest charged {$9.00} Purchases {$200.00} Payments {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # # # # # # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15 00:00:00
Product: 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: SC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # # # # # # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To whom This XXXX concern, I, XXXX XXXX, am writing this complaint with a sound mind. As of today XX/XX/2022, I am still unable to view my credit report with Equifax. 

I have called multiple times to get this error resolved and have received the case numbers below : case no. XXXX confirmation no. XXXX Each time I call I am advised to upload a copy of my ID which I comply and they make the promise to fix the issue and send the credit report. 
I have not received any follow-up in regard to this matter and this is a hindrance to my monitoring my credit report. They have promised to send me a copy of my report and I have not received a copy of the report yet. 

Please note that I have attached my identification. Further note, that the identification list my address in which has been verified by the phone reps. I have also attached a screenshot of how it looks when I access Equifax via online.

Company response to consumer: Closed with explanation