vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
received a letter on XX/XX/2023 yesterday, Written on XX/XX/2023. The letter was from XXXX XXXX, Resolution Specialist, Regulatory Complaints. She said she would be my single point of contact. She also stated she hope to resolve this by XX/XX/2023. I am requesting, any communication I have with Bank of America should include CFPB or DOJ. My first experience with the Resolution Specialist was not a very good one. It left me to question her honesty. When someone tells you that they are going to send CFPB a separate letter. When someone tries to go offline I don't know if we are getting the same information. This forum was established so CFPB be the mediator. They are trying to understand the facts. Bank of America said they stand by their documents. So, this is when CFPB and DOJ find out who has been truthful. Bank of America and XXXX XXXX have ruined 10+ years of my family 's life. You can't get that back. My documents speak for themselves Notification I transferred this complaint from my husband 's email account that's XXXX I don't know what is going on with the razor 's email. Bank of America use it to not respond although my husband gave me legal authority to communicate on his behalf for any and all letters, emails, and anything that has to do with this Loan. ******This complaint belongs XXXXThis complaint was closed Bank of America said they sent CFPB their response and mail XXXX XXXX their 's. This is not the process. Follow the process, Post the comments.

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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 2023-05-12 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-11 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
on XX/XX/2XXXX XXXX  acct # XXXX XXXX original creditor XXXX  XXXX balance {$2300.00} XXXX XXXX XXXX XXXX XXXX  original balance XXXX current balance XXXX this company sold the account to XXXX  and they are trying to get money from me FDCPA 15 USC 1692 ET SEQ. THIS COMPANY DOESNT OWN THIS DEBT AND ON MY CREDIT REPORT IT SAYS XXXX THE COMPANY XXXX IS SAYING 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 2023-05-12 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is in regards to Wells Fargo class action suit. Had a mortgage with them as well

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 2023-05-11 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:
I had fraudulent charges on my account due to my card getting stolen and I potentially knew who the suspect may have been. I reported it to my bank gave them all the information I had and they asked that I do a police report. I did the police report answered any questions they had and that was it. My bank tells me Im denied because I didnt name the potential suspect to the police. They also said there were no errors on my access code to my debit card. I called back explaining that I believed the information I gave the bank and the police were sufficient for them to work together to look at cameras to see who may have actually used my card. The individual working on my case told me from the beginning that they can deny my claim for nothing if they really wanted to however he felt as though I withholding information on purpose. Overall this put me in a very bad situation financially. Im not able to pay my full rent or car payment at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: GA

Complaint narrative:
I have attempted to dispute this account several times with all 3 credit bureaus on many occasions. I have even filed a complaint with you guys once before as well. I have provided the bureaus with my FTC report, Denial letter, Police report, as well as their reporting errors as well according to all 3 reports. Last attempt disputing was XX/XX/2022, each bureau stated that account will remain on credit file and will be updated. If update was supposedly done, then why information is reflecting differently on each 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 2023-05-11 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: GA

Complaint narrative:
I have attempted to dispute this account several times with all 3 credit bureaus on many occasions. I have even filed a complaint with you guys once before as well. I have provided the bureaus with my FTC report, Denial letter, Police report, as well as their reporting errors as well according to all 3 reports. Last attempt disputing was XX/XX/2022, each bureau stated that account will remain on credit file and will be updated. If update was supposedly done, then why information is reflecting differently on each 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 explanation
Consumer complaint received 2023-05-12 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: AL

Complaint narrative:
Around XX/XX/2022, I called XXXX XXXX XXXX to inquired about the inaccurate reporting of a debt from XXXX. I explain to them that the debt wasn't mines because I never had service with them moreover I was XXXX during the time. I have attached a letter to prove that I was XXXX during the time this account was opened. Instead, they ignore 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 non-monetary relief
Consumer complaint received 2023-05-11 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XXXX You are in direct violation of fair credit reporting act. Credit collection services XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: GA

Complaint narrative:
I have had several incidents of theft of personal identity items throughout the past years, birth certificates, social security cards, and IDs. I have endured years of fraudulent accounts being opened in my name during various timeframes. Several accounts have appeared on my credit report and I have relentlessly did everything in my abilities to communicate with all credit bureaus to have these items identified as fraud and be removed and even after supplying information of the police reports and criminal investigations that have been filed my credit file remains inaccurate and all 3 credit bureaus have failed to remove these inaccuracies. I am highly upset at the amount of inaccuracies that remain displayed on my credit file. I wish to have this matter resolved and removed immediately. Documents are attached to this complaint to support the multiple incidents of 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 2023-05-11 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: GA

Complaint narrative:
I have had several incidents of theft of personal identity items throughout the past years, birth certificates, social security cards, and IDs. I have endured years of fraudulent accounts being opened in my name during various timeframes. Several accounts have appeared on my credit report and I have relentlessly did everything in my abilities to communicate with all credit bureaus to have these items identified as fraud and be removed and even after supplying information of the police reports and criminal investigations that have been filed my credit file remains inaccurate and all 3 credit bureaus have failed to remove these inaccuracies. I am highly upset at the amount of inaccuracies that remain displayed on my credit file. I wish to have this matter resolved and removed immediately. Documents are attached to this complaint to support the multiple incidents of 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 explanation
Consumer complaint received 2023-05-11 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
A processing company contacted me on XX/XX/XXXX asking me to call XXXX regarding a case file and papers to serve. I called the company at this number. They say their name is XXXX XXXX and XXXX a law firm located in XXXX California. They state they had attempted to serve papers on me to sue me for intent to defraud/refusal to pay a balance on a Lowes Credit card XXXX They gave me a case # and stated the amount they are suing for is {$3200.00} including interest and attorney fees. I told them I dont owe Lowes Credit any money and the balance was paid many years ago and account closed. I reached out to Lowes Credit Card managed by Synchrony Bank on XX/XX/XXXX and was told this account was closed in XXXX and archived and no info can be pulled. 
Today on XX/XX/XXXX a message was left on my wifes phone to call XXXX regarding a case file #. She called them and they stated they are a law firm by the name of XXXX XXXX in XXXX XXXX Missouri. They said they had attempted to serve me papers suing in the amount of {$5200.00} due to an unpaid balance on a Lowes Credit card through Synchrony Bank. My wife told them I dont owe this debt. 
I believe this is fraudulent. They are seeking money I do not owe and I believe they are falsely representing themselves as attorneys. All of these conversations have occurred over phone. I have never received any paperwork.

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 2023-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
This was my first time getting a Title loan, I got this loan thinking it was like any other loan so I kept watching and didnt see any balance was apply to my loan after each payment. After about 8 months ago or so I call and ask them why my loan balance was not going down and first thing the lady ask me did the person Explain the loan to me that I would have to pay whole balance off to be paid in full I told her no she did not, do I would have never taken the loan. They are giving people loans and not telling people how the loan works and on my application they have me down as my credit score was XXXX score I never had a credit score of a XXXX that a false statement. Is their a law or something can be done about these Title loan to at least tell people how how loan work, right now I know that Ihave paid that loan off.I borrow I think I think {$2500.00}. This loan is by XXXX XXXX at XXXX XXXX XXXX, XXXX, Georgia XXXX. I probably have paid double of that amount, someone told me to write to CFPB, Please, so I can stop other people from getting loan like these.If you need and my Account I can send it in another way on this site. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ga, XXXX, XXXX.Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: CITIBANK, N.A.
State: MN

Complaint narrative:
One of my Citi divident card XXXX has a quarterly 4 % cashback bonus offer for XXXX when I spend on XXXX. I activated this offer, and spent {$5900.00} in XX/XX/2023. But XXXX of the transaction of {$1000.00} on XX/XX/XXXX did not give me that 4 % promised bonus. 
I spent hours contacting Citi and in first week of XXXX and they said they would research why the bonus was not issued. But today I received a letter saying this transaction does not qualify. The letter did not state the reason. And all my other transactions in the same month ( the rest of {$4900.00} spending on XXXX ) all qualified for the bonus. I don't understand why this single transaction did not. I felt Citi is not doing the right thing, just cheat the customer to use their low-reward card and deny based on no reason.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello my name is XXXX XXXX my birthday is XX/XX/1977 my ssn is XXXX my address is XXXX XXXX XXXX XXXX XXXX ca XXXX my phone number is XXXX Bank of America refusing to return my money that I received from edd Bank of America sent my card to the wrong address and the person was able to take all of my money out of my account it was over {$21.00} and I reported that I never received my card but Bank of America continued to let the person to make transactions after I reported my card stolen and I made police report and I still have not got my money back I am sick with XXXX and I have XXXX kids to support by myself and I really need my money to pay my bill 's I don't know what else to do I have done everything I was asked to do please if someone could help me I would really appreciate it 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 monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DRIVE NOW ACCEPTANCE LLC
State: IL

Complaint narrative:
On XX/XX/23 I went to try to get an auto loan. My XXXX  was ran and the agent stated it shows I never had a auto loan paid off. I paid the car off XX/XX/23.

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