vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-22 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section XXXX : 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 2022-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Debit card was stolen earlier this year and theif apparently knew my PIN number ; Schools First Credit Union honored the claim and refunded my money. I notified the bank of my missing walled within 8 hours. 

I lost my new debit card ( new PIN ) and thief, somehow, used my PIN ( according to the bank ) and the bank will not honor my claim. There were 30+ transactions in the single day compared to my maximum activity of, maybe 5 transactions a month. Someone should have flagged all that activity. I notified the bank of my missing card within 24 hours. 

Please tell me how to enforce the bank to return my stolen {$9000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, I sent in letters and they told me they will be taken care of when I send in this form. I was told the inquiries would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I am trying to payoff my Home Equity Credit Line with Zions Bank. I am trying to get a fixed loan at another Financial Institution and I need a 30-day payoff so that I can get the fixed loan from the other XXXX. I called and spoke with Zions on XX/XX/2022 to inquire about the 30-day payoff. They game me instructions to email their loan department with the information needed for the 30-day payoff amount. They said this would only take 2-3 business days. I emailed them the required information the same day, on XX/XX/XXXX. I still have not received the payoff quote a week later. I called and asked for an update and spoke with a Zions Bank Loan specialist. They told me there was nobody working on my loan payoff amount and to resubmit the information. I did as they asked, and resubmitted the information they requested on XX/XX/2022. I am concerned that Zions is putting off my payoff request and interest rates are going up, which will cost me more money on the fixed rate I am applying for.

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 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
So I dont have many dates my account was in the red due to return checks from my cellphone provider I stayed in contact letting them know the commute to the bank is far for me with no car. XXXX working on getting funds to my account to fix issue. On XX/XX/XXXX I deposited enough to take out of red pay my credit card off and have money to keep in good standing the next day. My account was closed. I was told due to me trying to open another account I explained that I never did they accused me and said account will remain restricted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Repeated difficulty paying credit card lender after they closed my account, leaving a remaining balance to be paid. The lender provided false information over the phone stating I would receive paper mail with my account number to resolve my issue of paying online. I indicated multiple times my struggle of trying to make payment over the phone. Each letter I received never contained the correct information to allow me to reset my ability to pay online. This has lead to late payments from XXXX and XXXX I would like to have erased from my credit report history. I am current on all of my other types of loans, and this has been the only company I have struggled to make payments on. This is effecting my ability to buy a home. The company I have struggled with this problem is Barclays. I have also been transferred to a third party company that takes calls for the company that has resulted in misinformation trying to resolve my issues.

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 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Army and Air Force Exchange Service
State: OR

Complaint narrative:
I received a letter on XX/XX/XXXX saying that XXXX stating that they were going to garnish my wages. I returned a letter on XXXX, XXXX asking for validation.They sent documents with items missing other pages, they were missing a whole month from XXXX They didn't wait the allotted amount of time for me to dispute and placed the wage garnish on my account. I believe they violated my rights under the Fair Debt Collection practices act. Also there is no court information so I can contact the court to dispute this. Also this alleged debt is Time barred.

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 2022-08-23 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a 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 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 2022-08-23 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: MO

Complaint narrative:
This is my NUMEROUS 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 accounts 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, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00}

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 2022-08-23 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: MO

Complaint narrative:
This is my NUMEROUS 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 accounts 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, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Between XXXX 2022 to XXXX XXXX 2022 someone used my card for several transactions. Including a lot of out of state and even well known scam charges such as XXXX XXXX XXXXXXXX. To a total of over {$8000.00}. I was paying a bill when I noticed this. I called and they said no problem. But later hasnt a letter saying they were billing me for all this. XXXX XXXX XXXX XXXX is a horrible credit card to have.

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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hey I went to the car dealership and was trying to apply for a car. They said they was going to give me a soft inquiry on my credit but when I checked there was a lot of hard inquiries. The names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX 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 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey I went to the car dealership and was trying to apply for a car. They said they was going to give me a soft inquiry on my credit but when I checked there was a lot of hard inquiries. The names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: MI

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX : XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX 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 2022-08-23 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: PA

Complaint narrative:
I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from XXXX, Equifax and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus XXXX, Equifax and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for Equifax for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
This is the actual letter that I am sending them, I am upset that they continue to tell me that the Mortgage is behind when the mortgage assistance program was utilized so there would not be any mortgage payment in default. 

I have no A/C in this home and have to have a letter stating that the mortgage is current so that the a/c company can finance the a/c unit. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : Loan XXXX I spoke with XXXX ID XXXX at Loan Care, on XX/XX/2022 in reference to the loan modification/mortgage assistance, I have a ac unit that has stopped working and in order to have it finaced, the finance company has to have a letter stating that the mortgage is current and up to date. 
I spoke with XXXX and he told me that I owed {$690.00} and the account would be current. 
In XXXX, I signed a new revision for mortgage assistance, notarized and sent back to Loan Care, which brought the note to {$780.00}, I had to file a complaint on Loan Care back then so the new amount due for the loan would reflect on the website instead of XXXX, since XX/XX/2022, I have paid the mortgage amount of {$840.00}, XX/XX/2022, {$840.00}, XX/XX/2022, {$840.00}. It should have read {$780.00} starting on XX/XX/2022. 
I asked XXXX at Loan Care, how can the loan be not current when I signed for mortgage assistance and how can the mortgage be behind, when there was mortgage assistance that paid Loan Care, XXXX could not come up with any answers, basically wanted to argue over this {$690.00} that shows that I still owe, after mortgage assistance paid the loan so it would be current. 

On the website, it reads XX/XX/2022 Next Payment Due {$780.00} Total Scheduled Payment {$100000.00} Current Principal Balance {$30000.00} Year-to-Date Total Payments XX/XX/2022 Last Payment Date {$0.00} Outstanding Late Fee Balance, Please explain how the mortgage shows paid {$30000.00}, balance is {$100000.00}. But I am still not current and up to date in payments. 
There is no Outstanding Late Balance Fee??? Reads XXXX on the Dashboard. 
Did the FHA mortgage assistance pay the Loan Care mortgage the amount of {$30000.00}, leaving the balance of loan at {$100000.00}? 

Why is payment due on XX/XX/2022, when it is already paid????? 

I want answers to these questions???? 

Send a letter to XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

While I sit here with no A/C and you have the money from the Mortgage Assistance program for the {$30000.00}, I would like some answers!!!!!!! 


Sincerely, 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 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ATTENTION TO XXXX XXXXXXXX XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF UTILITY ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
NAMES are wrong on report : XXXX XXXXXXXX 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 2022-08-23 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: MI

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has discriminated against me with an adverse action, CREDIT IS MY RIGHT according to congresses definition under 15 USC 1602, Bank of America has committed a law violations according to Congress under 15 usc 1681a, 12 CFR 1002.7, ADVERSE TO MY INTERESTS AS A CONSUMER. By definition according to Congress and 15 USC 1691 the explanation of ACTIVITIES CONSTITUTING DISCRIMINATION SAYS IT SHALL BE UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS, WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. The law is clear on this and these laws have been set into place to protect consumers from DISCRIMINATION, and UNFAIR BANKING. I exercised my rights granted to me! This is considered unauthorized use 15 USC 1602 ( p ) because me being the card holder has received no benefit from this transaction. Consumer Financial protection bureau states credit report is optional by corporations, Bank of Americas policy do not supersede federal laws set into place to protect me. I have been more than fair on resolving this matter but it seems Bank of America chooses to be willfully negligent and noncompliant to the laws on this matter. This could lead to criminal liability and civil liability.

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 2022-08-23 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: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation