vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have a Merrill Lynch credit card through Bank of America. 
Benefit for the card is if {$50000.00} is used the year before than a {$200.00} travel voucher is applied to the card for expenses like luggage or drinks or food... 
I have XXXX of the exact same cards, however, XXXX is working automatically but the other card is not crediting me the charges. I have tried to contact the phone # XXXX that is given XXXX and XXXX but both teams have no clue. I can not reach anyone with authority who knows how to fix the problem. I have called and wasted at least 12 hours but there is no record on their part for any of my conversations in the past. I have phone records with the telephone numbers and how long I had to wait for service which went nowhere. 

There are XXXX charges from XXXX for baggage {$30.00} each XXXX. Not only do I want the charges to be credited but that the account is set up so they automatically do this. 
I have wasted so much time with something so simple.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23 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: ProCollect, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account 's # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I applied for Car and they said was going to just pull for XXXX. But on my Credit Report, I had 10 hard inquiries on my report.

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 2022-06-23 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: CBM Services, Inc.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act the reporting of the following have furnished reports has violated each of my rights : XXXX XXXX XXXX account # XXXX, file # XXXX XXXX XXXX XXXX account # XXXX 15 U.S. Code 1681 602 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account Name 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 2022-06-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This company allowed someone to add themself to my account online, order a card, use the card for XXXX  XXXX, and have the payments deducted from my business account. When it was discovered, they closed the card and transferred the balance to my card. On XX/XX/2022, they sent me a " Fraud Investigation Form ''. I filled it our and returned it. On XX/XX/2022, they sent me another letter stating that on XX/XX/2022, they initiated an investigation and denied it on XX/XX/2022 because They say " I authorized, participated in, or benefited from the purchase '' ; and that additionally on XX/XX/2022 they sent me a letter IN ERROR advising my claim was provisionally approved. 
I have sent them a response letter stating that 1 ) I never applied for nor authorized another user or card on my account. No one ever called me to verify or alert me, they simply issued the card and, 2 ) these charges were all for personal plastic / cosmetic surgeries/ treatments that were performed on someone else, not me, that did not live with me and therefore did not benefit me in any way. 
To my knowledge, it is illegal to apply for a credit card in someone else 's name. I should not be held responsible for the lack of due diligence by this bank confirming that I was adding an authorized user and card on my account. I have already suffered enough with this considering {$400.00} - {$500.00} a month was coming directly out of my business through ACH for a very long time before it was discovered.

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 2022-06-23 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX # XXXX, XXXX XXXX XXXX, ( 1 ) XXXX XXXX Bank XXXX XXXX XXXX, and ( 2 ) XXXX XXXX Bank XXXX XXXX XXXX have all violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 2022-06-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
Never received anything about this. Called company got rude person told me would be going jail if I didnt pay this bill. Called the orignal company advised me the account was in dispute under fraud not sure why they received it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I was the victim of a scam and did not realize it until the XXXX XXXX notified me, I tried to close the account. and as far as i know the XXXX XXXX would not close it but kept it open and took my final check for doing work for a social security special needs person, they said i told the bank I that I needed to buy a new wheel chair so that i took the money out of the account, I DID NOT EVER SAY THIS TO ANYONE AT THE BANK, It is a total lie, and then this credit union let the money they stole from me and what they lost and said I did this on purpose, i did not!!!! They turned me into a place called XXXX XXXX  that people that continually over draw etc, a put on a 'bad ' risk list and are unable to get checking accounts.. Until the pandemic messed up my whole life I have had checking accts since I was XXXX and NEVER OVERDRAWN. I have lost everything - had to move in with my brother because the XXXX XXXX took the money I needed to live on, I have been threatened by the scammers and they have posted bad things about me too, The XXXX XXXX has posted lies to get even with me getting scammed. i did not get scammed on purpose, i believed that i could get help to get out of this mess the pandemic has put me in, Instead of helping me the credit union made things 10 x worse for me and when i spoke with them, they acted like it was all my fault, credit union is XXXX XXXX XXXX XXXX in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
on XX/XX/XXXX I completed a loan modification application with current Rushmore Loan Services. they confirmed receipt including all of the documentation required but it will take 30 days for them to analyze and determine a answer. 

However, today XX/XX/XXXX i just received a random call from XXXX XXXX XXXX, that my Mortgage loan has been transfer to them. 

I called RUSHMORE, to confirm if this information was accurate and representative stated that this was true but that it wont be in affect until XX/XX/XXXX of this year. 

Even, with a modification process is place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that it was going to be a soft inquiry and now my credit have been affected. 

The guy was very misleading to me and husband. I told him I do not want credit to be checked if it will be a hard inquiry he said it will not be a hard inquiry.

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 2022-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Maury Cobb, Attorney at Law, LLC
State: CO

Complaint narrative:
Repetitious phone calls from a supposed law office the Law Offices of Maury Cobb 's calls are received from a XXXX XXXX at XXXX XXXX with intent to annoy me, she spoke in a abusive demanding tone when speaking with me, and when I requested no further contact, after our conversation I was left feeling threatened XXXX XXXX XXXX, she would not provide a first name or an employee identification number for reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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 — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: NY

Complaint narrative:
all 3 XXXX XXXX and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. XXXX score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by Westlake financial i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX  XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me XXXX XXXX not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.

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 2022-06-23 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
all 3 XXXX XXXX and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. XXXX score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by XXXXXXXX XXXX i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me Home depo not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.

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 2022-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
CapitalOne Bank opened a checking account on my name, DOB, SSN & Address without validating the identity, and also allowed to create an online account. 

Lucky that the debit card reached my address and was able to get the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Name 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 2022-06-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-06-23 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 — Investigation took more than 30 days
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Ive reached out to XXXX several times disputing this and requesting a removal of the rolling 120 day from my credit reports. They refuse to remove this from my credit report. It is still appearing on my XXXX Credit Report. 

I lost my job during covid, the company I worked for closed. I applied for a forbearance of my HELOC which I received. During that time each month the non-payments were submitted to the credit bureau agencies. XXXX indicated that I had a late payment prior to that. This account was brought current in XXXX XXXX 2022, all payments are up to date. Therefore, I requested that the rolling 120 late be removed, they have refused. 

This is a problem as Im in the process of applying for a reverse mortgage which would pay off the HELOC. This issue is an obstacle to my ability of being accepted. 

I would appreciate any assistance in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received a text from Citibank asking if I was making a purchase from EXXON. I logged onto the mobile app and noticed an alert and I called and said no. I then noticed additional charges for 3 other purchases that were not mine and I advised Citibank. A hold was placed on my debit card and a replacement was sent and received XX/XX/XXXX. On XX/XX/XXXX I received a call from a person stating his name was XXXX and was calling from Citibank. The number was the same as the Citibank XXXX. He asked is I was making a purchase from an XXXX XXXX in California for {$6500.00} I advised no. XXXX sent several one time codes to confirm actions and reset my account and the wire transfer feature. He placed the name XXXX XXXX and when I asked him about the name he said it was fictional just to reset my information. Later that day I logged into my Citibank mobile app and noticed that there was a wire transfer for {$6500.00}. I called and was told fraud was closed. I called XX/XX/XXXX and spoke with XXXX for unauthorized wire transfer and then spoke with an XXXX and received a report number XXXX. I was again issued a new debit card. I noticed the name on the payee of the wire transfer as XXXX XXXX. I filed a police report XXXX and FBI report XXXX. On XX/XX/XXXX. XXXX I received a claim notification and affidavit of unauthorized wire transfer dated XX/XX/XXXX from Citibank on XX/XX/XXXX I completed and notarized and returned XX/XX/XXXX within the 10 day period required and verified it was delivered XX/XX/XXXX. On XX/XX/XXXX I received a response dated XX/XX/XXXX from Citibank that my fraud claim has been denied stating I did not take adequate steps to safeguard my account which compromised the security of my account information. I have been a customer since XXXX when my account was with California XXXX XXXX XXXX and Citibank took over. I have never done a wire transfer or used my Line of Credit which was used for the wire transfer. I have an outstanding history on my checking account and would never wipe out all of my funds including my social security check. I was left with no rent money, utility funds or grocery money, I live in Arizona where there is no Citibank branches. It is 100 plus degrees and I cant use my air conditioning as I can't afford the bill.

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