vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-14 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 XXXX of XXXX, I became a victim of identity theft. Someone attempted to file a claim for unemployment. I was notified by my employer that this happened. I was provided information to take the necessary steps to protect my personal information by placing fraud alerts on all XXXX of my credit reports. XXXX of the alerts expired in XXXX of XXXX and XXXX expires in XX/XX/XXXX. 
Over the course of the last year, there have been multiple inquiries on my credit report. I have been only contacted once to confirm that it was in fact me applying for credit or financing. That call to me was made in XXXX of XXXX by XXXX XXXX XXXX XXXX when I purchased a new vehicle. Other than that none of the credit bureaus have contacted me. I called Transunion this morning because I received an email from XXXX of my creditors that Transunion mistakenly check my credit for a XXXX which caused a hard inquiry on my credit report. It was removed once it was discovered. I then went to look at my credit reports to make sure that there were no other mistakes showing up. There are a number of inquiries on my credit report. My credit report is supposed to be frozen and there is a fraud alert that is valid until XX/XX/XXXX. I called Transunion and the Rep that I spoke to could not explain why anyone was given access to my credit report without confirming that it was in fact me and how anyone was getting access to my report when it is frozen. The Rep agreed that someone should be calling me to confirm my identity but could not explain why that never happened. She then advised that I had to submit a dispute in writing to have it investigated. I can not understand how Transunion and the other bureaus see an alert and/or freeze and continue to not honor it and why I have to take these steps when access should have never been given without my consent, to begin with. Transunion also checked my credit without my permission and removed the inquiry but I was told that can not be done in this situation. It is unacceptable. The freeze and the alerts are supposed to protect me and stop people from accessing my personal information.

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 2022-06-14 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 account number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Hello, I closed my Barclays Arrival XXXX XXXX XXXX XXXX on or about XX/XX/2021. There was a balancing remaining on the account that needed to be addressed. I called Barclays and we reached an arrangment that saw credits of {$150.00} and a payment by me of {$5.00} to zero out the card. When I made the {$5.00} payment, Barclays inexplicably assessed a late fee of {$2.00}. Barclays continued to assess fees, interest, late payment penalties, and minimum charges to the account after our arrangment unbeknownst to me, and Barclays started reporting my account as delinquent. I have been denied financing at the best rates and my credit score has been ruined.

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 2022-06-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX  account # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2022-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2022 - received information via mail about XXXX attempted credit cards being opened in my name. They were denied which is concerning as I have great credit. 
XX/XX/2022 - called both companies to report fraudulent attempts at obtaining credit card. Both companies confirmed they were attempted online. Both confirmed that my social security information, birthdate, drivers license, name, and home address have been compromised. Both companies have reported the fraudulent activities and are investigating. More information to be sent to me via mail. 
- Called XXXX, XXXX, and XXXX to freeze my credit reports. 
-FICO credit score confirmed that my score has been negatively impacted by these activities. 
-Contacted this website : US Federal Trade Commission to report activities. 
-Currently on call with Social Security Administration for assistance on steps to take. 
-Will be calling DMV to report that my driver 's license number has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX 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 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 2022-06-14 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:
Account Name Account Number XXXX XXXX  XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXXXXXX Account Name Account Number XXXX XXXX XXXX Account Name Account NumbeXXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14 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:
Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account NumbeXXXX XXXX XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TICE ASSOCIATES INC
State: NY

Complaint narrative:
Tice Associates ( collection agency ) reported a delinquency of {$55.00} to multiple credit bureaus reporting a " date of XXXX delinquency '' as XX/XX/XXXX for a medical debt. Unaware of this debt I contacted XXXX who has no record any claim ( s ) with a patient responsibility of {$55.00}. 
I disputed this debt with XXXX, the following day they " verified as accurate ''. 
I contacted XXXX XXXX to inquire what this was. Tice Associates stated this was for 2 separate claims from the same provider. One for {$35.00} originating on XX/XX/XXXX and a second for {$19.00} originating on XX/XX/XXXX. 
Tice Associates stated they attempted to contact us twice once in XXXX XXXX and a second time in XXXX XXXX. We never received anything from them or the original provider who they state is University XXXX XXXX XXXX for either. 
Tice Associates states they base the " Date of XXXX Delinquency '' on the most recent delinquency and not the date of XXXX delinquency. 

1, No notification from original creditor. 
2, No notification from debt collector. 
3, Received no verification of Debt. 
4, Medicare has no record of claims from this provider, or patient responsibility for these amount 's. 
5, Date of 1st delinquency is outside the XXXX 3 year statute of limitations. 
6, Debt collector spoke to a relative about this debt in detail without receiving formal authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America Alaska Credit Card. 
On XX/XX/2022 texted re possible fraud {$5100.00}. Fraud claim started. Received letter dated XXXX stating " good news your claim has been resolved ''. On XXXX I received email notice that I owed XXXX. At that point I cancelled auto payment from my credit union. On XXXX that amount was deducted from my credit union account even though I had cancelled authorization. I had to file a claim with my credit union and several days later a credit was issued. In the meantime I had to transfer funds from savings into checking to avoid overdrafts. Luckily I had the funds. Some people would have been in dire straights. On XXXX I received email notice indicating XXXX credit. The following day I received another email notice saying I owed XXXX. I have called B of A countless times about this. I have been on hold and have been tossed from one dept to another countless times. Today while talking to the claims dept I was told there was no letter saying the claim was resolved and the claim was still open despite the fact I was staring at a physical letter saying the opposite.The ineptitude of Bof A is frightening. The fact that they could erroneously report to the credit bureaus is also frightening. I just hung up from 1.5 hrs on the phone. B of A assures me the matter will be remedied. Obviously I do not trust them. They say they are sending me a check that I have to deposit into my credit union account. My time is valuable as is everyone 's This situation has wasted so much of my time and has caused me a lot of stress and anxiety. Regardless if it's remedied or not B of A needs to held accountable for their mistreatment of consumers. 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 2022-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In a routine check of my Equifax credit report, I noticed that none of my current and open credit accounts were being reported. Subsequently, my Equifax credit score is significantly lower than my XXXX XXXX XXXX scores. On XX/XX/2022, I mailed a certified letter to Equifax, alerting them to the issue. The letter was accepted and signed on XX/XX/2022. After more than 30 days without a response, I called Equifax on XX/XX/2022. The customer service representative informed me that they had not received the letter. I am unable to apply for an auto loan because of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
In XXXX my mother obtained a {$40000.00} mortgage loan on our family home from XXXX XXXX XXXX. She passed away in XXXX and I assumed the loan under her name. I am also the Administrator of her estate and Successor in InteresXXXX. It was then transfered and reserviced to XXXX XXXX XXXX in XXXX. I paid regularly until XX/XX/XXXX when COVID began. I was put on a forebearance plan but occasionally STILL made payments while on forebearance. The loan matured XXXX of this year. CLS extended me 2 loan modifications that I accepted and remitted payment for. They sent payment back both times stating " Loan matured with no approved workout ''. They kept asking me to prove Successor in Interest, and I did. Several times. The paperwork was even sent directly from the City of XXXX XXXX office. Their representative kept telling me that the person that assumes the loan must be on the deed. I have a copy of the original deed and only my deceased grandmother and grandfather are listed. So when my mother obtained the loan, she was not on the deed and was never put on the deed. So how was she able to obtain the initial loan? If I am acting as the same entity as my Mother, who presented only the deed she had to obtain the loan, then why am I not able to do the same to maintain the loan? I sent CLS a QWR in XXXX of this year and they then RE SERVICED the loan to XXXX Loans WITHOUT RESPONDING to the QWR. They then just YESTERDAY replied in an email, but it was not a QWR response. I have also sent the new loan servicer a QWR 3weeks ago and have heard nothing as of yet. I contacted the FBI earlier this year with no success because I know that at least one name on a mortgage loan must be present on the deed. I have maintained that XXXX XXXX has committed mortgage fraud and sold the loan to Bayview without them knowing that my Mother is not on the deed. So I've paid OVER XXXX for an illegal mortgage loan, plus interest and would TRULY like to have an attorney help me to obtain my, and my Mother 's estates monies back. I am sure I am not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: DC

Complaint narrative:
United Wholesale Mortgage continues to fraudulently state that I am behind on my payments when in fact I am not. I have literally reached out to them describe their error for over one month ; I have created disputes through their customer service line but they are not resolving the issue. I refinanced my home loan with them in XX/XX/XXXX. My first payment was due XX/XX/XXXX according to their billing documents but the Loan Officer erroneously put XX/XX/XXXX on the promissory note. I have made XXXX payments to United Wholesale Mortgage, these XXXX payments equal payments that were applied to XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. United Wholesale Mortgage is still saying that I owe for XX/XX/XXXX instead of XX/XX/XXXX and is threatening to negatively impact my credit if I don't pay for XX/XX/XXXX again. My bank account shows that I made XXXX payments to my loan account but the last representative that I spoke to refuses to listen to my logical and factual statement that XXXX payments have been made, This is a very urgent situation that I need resolved soon as not to negatively impact my credit erroneously. They erroneously applied late fees despite them saying they would not while the situation was resolved. I believe this is a predatory financial institution. I have factual proof of the situation that I have not missed one payment at all and only the XX/XX/XXXX payment is due. I am willing to pay it but I need them to stop assessing false late fees. Please help stop this type of financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account EXETER FINANCE LLC 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 written instructions I am well aware of my rights as a consumer. This account is only reflecting on my XXXX credit report. 
The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding collection items that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
1. Please EXPLAIN interest accrual amount and late charge accrual amount as of XX/XX/XXXX. These amounts will be from XX/XX/XXXX until XX/XX/XXXX. You have provided interest accrual amount of {$34000.00} as of XX/XX/XXXX but DID NOT EXPLAIN. You did not provide late charge accrual amount as of XX/XX/XXXX so please provide that and also explain how you derived at that amount? 

2. Please SEND a copy/copies of any INTENT TO ACCELERATE correspondence in your possesssion from XXXX  or any acceleration that RTR initiated when servicing rights to this loan were transferred to RTR on XX/XX/XXXX or after RTR  became servicer? 

3. Please provide the copies of the certification of the original XXXX XXXX XXXX  which contains original signatures of the certifying entity, the original seal and the notary signature. RTR should have these in their possession when servicing rights to this loan were trasferred from XXXX  to RTR. RTR has obligation to provide the requested copies and its prerequisite before foreclosure can be commenced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX was a school i was attending to online for a month. After the one course was over they decided to update the website and would not work with my XXXX that i just purchased in order to attend school because they said that will work for all classes. Once the update was done i could not attend to any part of the classes, i could not get to any part of the class work or homework. I was unable to take exams. I reached out to them many times to state that this was happening and all they told me was to go purchase a laptop. I decided after that to withdraw from the entire program within their tie period of dropping the program so i do not owe money. They continue to charge me, even when they knew i was not attending. I have also emailed them say i should not be charged because i withdrawn within the appropriate time frame given. From there they sent everything off to collections without proper acknowledgement that that was happening. No phone call, no email, no written statement. I have been trying to get this written off my collections and gone because i have no knowledge of the collection and should not owe a school any type of money.

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 2022-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Broward Adjustment Services
State: FL

Complaint narrative:
I received a letter under my XXXX XXXX XXXX daughter name. It says that i owed XXXX XXXX I called to BAS company, and they said that money is for a blood test made on XXXX XXXX last year ( 2021 ) to my daughter. 
My daughter has never had blood drawn. 
She had XXXX as medical insurance and a while ago XXXX. 
I need somebody to remove this because this debt doesn't below to us.

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