vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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:
I sent an Identity Dispute letter to Experian and it was received on XX/XX/2022 for my address and personal information to corrected and removed. It is still there. I sent the letter certified and the tracking number and letter is included in this complaint.

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 2022-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Received a prepaid card for prepaid amount from Bank of America on behalf of XXXX XXXX XXXX XXXX. I called around XXXX or XXXX trying to use the card. Was not allowed to set up a PIN due to zip code mismatch. I talked for over an hour and was told zip was corrected. After the call, I tried to establish a PIN but was informed that zip code was again invalid. Called again and spent over 2 or 3 hours fixing the issue with at least 5 different people. Escalating this few times. Finally I was able to fix the zip code and to establish PIN that did not work. Over 4 hours spent, escalating this issue multiple times. I believe BOA is doing this intentionally to keep money or at minimum discourage owners of the prepaid card to go throughout 5 hours of phone calls. Time spent on this simply does not translate to any minimum hourly wage. Please issue check to my current address for full amount plus compensating me for time lost on this unprofessional service!

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 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I have HAF program that help pay for the next 12 months for my mortgage til XX/XX/2023 and my mortgage company United wholesale had no program getting my first two payments and for the month of XXXX they say they dont have it so I called the HAF program and they said that the mortgage company does have it so I called the mortgage company and I was told that posting is just behind on payment posting thats why my check has no been posted for XXXX that is not right I was nervous so I had to pay for my XXXX payment because my mortgage company is behind in posting payments thats not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I visited the neurologist for a regular appointment. XXXX XXXX XXXX told me there was nothing wrong with me then said I had XXXX and sent me on my way ( he misdiagnosed me because other neurologist later determined I had small XXXX XXXX XXXX. My insurance company paid them everything that was owed per their agreement for this type of visit. They are charging a predatory consultation fee of {$500.00} because they said the appointment and services rendered took a long time. It was a standard appointment. This doctor is knowingly creating false bills as my insurance company has reached out several times to explain why he can not bill this per their agreement and he disregards their contractual terms.

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 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent multiple letters regarding unknown information in my credit report to the bureaus. It has been 30 days, but they did not send me any response or results.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent multiple letters regarding unknown information in my credit report to the bureaus. It has been 30 days, but they did not send me any response or results.

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 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been disputing with the Credit Reporting Agency for sometime now, over accounts that are being reported as inaccurate on my credit profile. The said accounts have not be properly verified nor has any documentation have been presented to me. This has been going on for sometime now and its becoming mentally stressful. Numerous dispute letters have been sent Via XXXX certified mail.

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 2022-11-03 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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2022-11-03 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: IN

Complaint narrative:
This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of 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 2022-11-03 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: IN

Complaint narrative:
This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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  Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Pine Court Holdings, LLC
State: FL

Complaint narrative:
My partner and I have been trying to close on a Mortgage since XX/XX/2022. Since day one process felt fishy. We encounter so many obstacles from lender. We tried to lock rates before they went up and the loan officer just told so many excuses to prevent us from locking rates. Then we learned that the same house we're buying the price went down as well as closing cost grant were raised. We spoke with the lender to see if we could match the new closing costs grant and match the selling price. We were denied by the XXXX XXXX division supervisor. But if we cancel the process, this home will be sell under new prices and closing costs. Never the less we decided to move on and complete the process even that this feels wrong and discriminatory. 5 months waiting to close and the house to be finished. Then the underwritter started to asking questions that was already answered since day one. Questions that impose we were lying. That the provided employment information about reallocation was a lie even when all the bank statements only had my employer direct deposits with the employer name on each deposit. We finally received in XXXX the final disclosure for the loan, which we signed. XXXX XXXX week before closing, they sent us a " revised '' new agreement with the monthly loan payment being raised. I've never felt so mistreated and discriminated in my life. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. One week before closing they're changing everything just to make us walk away and not complete the process and lose the {$5000.00} deposit.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was sent a printed out picture of item I thought would be a physical belt. No where in the description did it list printed picture its a clear scam and I cant get any help since there is tracking for it I submitted evidence to XXXX and Wells Fargo and have been denied and getting the run around from both. The seller has even changed XXXX name at this point from XXXX to 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 monetary relief
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, Thursday I was a victim of theft. My debit card was stolen and at least four unauthorized XXXX purchases were placed on my account. Once I realized these purchases were made I immediately called to cancel my card and also dispute the charges. Due to the charges being recent I had to wait until they were not pending which was yesterday and I disputed these charges with Chime banking. As of yesterday Chime denied my disputes due to reasons unknown by me. I then called XXXX to report these unauthorized charges in hopes to recoup my funds from them and they were also unable to assist me. I have never in my entire life bought anything from XXXX nor do I even have an XXXX account. This issue is very disheartening to me because as an educator it is hard times and I work really hard to earn my money. I am reporting this issue to CFPB because this is my last recourse and hope that this could be a third party entity to help me receive assistance in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
I have alot of error on my 3 credit report also identity theft and have been trying for a long time to remove them but the bureaus refuse to help me.things such asXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: AZ

Complaint narrative:
Please update and verify the following account, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never had an account with the bank to incurred debt with the creditor reporting. If this account can not be verified which I'm sure since I have never sign or agree to the transaction. 
Please delete the account. 
XXXX XXXX XXXX account # 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 2022-11-03 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
XXXX XXXX XXXX Illinois XXXX This bill has been fully paid by XXXX of Texas. 
I have verified all information plus I have the pay statement from XXXX. Blessing hospital has called to reverse off of collection but Consumer Adjustment Company the collection agency XXXX will not cooperate with me to remove it. I have disputed this 3 times since it has been paid in full and they will not cooperate with me. All im asking from them is to remove this paid debt from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent an Identity Dispute letter to XXXX and it was received on XX/XX/2022 for my address and personal information to corrected and removed. It is still there. I sent the letter certified and the tracking number and letter is included in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
XX/XX/2022 I noticed fraudulent charges to my card for {$5300.00}. These charges were from unsolicited promotional account checks that were stolen from my mailbox. We had received a notification from our HOA that our mailbox had been broken into during the time that these charges occurred. My girlfriend had also had to dispute fraud charges resulting from similar unsolicited promotional account checks having also been stolen from the same mailbox. I don't use this card often and prior to the fraud charges, the balance was at or near XXXX. I never received a potential fraud notification from Barclays. I called Barclays and reported this as fraud. I was told I would receive a written followup of some sort within three billing cycles. I never received any written communication within this time frame. However during this same time frame, I received numerous collections calls from Barclays and then a collection agency. Per my understanding of FTC regulations, " The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. While your account can't be closed or restricted, the disputed amount can be applied against your credit limit. The creditor may not threaten your credit rating, report you as delinquent, accelerate your debt, or restrict or close your account because your bill is in dispute or you have used your FCBA rights. '' I wrote to the collections agency telling them this debt was in dispute and to verify the debt. Only then in XXXX did I receive a letter from Barclays stating that they denied the fraud claim. No information about an appeals process was given. 

I believe Barclays did not follow correct procedures for handling my fraud dispute. I did not receive a written notice within 30 days of my claim. Barclays did take action to collect the disputed amount during the investigation, including involving a collections agency. The creditor did report me as delinquent and this has severely impacted my credit report. They did not resolve the investigation within the stated time frame.

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 2022-11-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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 XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Someone kept texting me with the debt from XXXX XXXX ( which we are currently dealing with ) saying we owed and here is the account information. To please log in and work on it. 
So I XXXX the bank and log in information and it all checked out so I figured it was legit. 
I logged in and low and behold the account was not legit ( not even mine ) but had my social and my address all there with it. 
Now we are trying to lock all our accounts because when I logged in all it did was verify that was my account ( even with the wrong name )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received emails from what I thought were the president of the non-profit asking me transfer funds via XXXX to a scholarship winner. Over two months I responded to the following transfer funds requests XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$2800.00} XXXX {$2600.00} XXXX {$2400.00} I became suspicious when the next amount requested was {$7000.00}. I called the president and she confirmed that she had not made these requests. The emails came from an unauthorized user. I immediately contacted Bank of America. They investigated and said that since they made no error they were denying my claim.

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 2022-11-03 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  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 explanation