vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-27 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: LA

Complaint narrative:
please remove fraudulent/unauthorized inquiry by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. Or provide proof in writing within 30days

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 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, Looking to express my concerns about a scam that I was recently victim too. 

This past saturday XXXX XXXX I was scammed into buying tickets that ended up not working. 

The scammers used XXXX for payment processing and it felt secure that the tickets would work. 

Unfortunately it was a complete scam, leaving me out about {$220.00} I contacted my bank ( Chase ) and they say I wouldnt be refunded, which makes no sense. 

I sent a scam alert to XXXX, still waiting to hear back. Would love to get refunded from this unfortunate event that left me stunned and a victim of this digital banking world.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Multiple people have opened accounts under my name at Truist bank. I have spoken to the bank and they still have not closed all accounts under my name. They are extremely hard to get in touch with.

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 2022-09-27 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have a few hard inquiries on my credit report from navy fcu and XXXX XXXX and I didn't authorize and I didn't give permission for my credit to be ran. I would like for those inquiries to be reflected as deleted off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: AE

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
Consumer complaint received 2022-09-27 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: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
DESIGNED RECEIVABLE SO XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} This account has misleading information. consider the Balance, High Credit, Last Reported, And I don't have a financial obligation on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
I originally submitted a request online via BSI Financial Services 's website for a COVID forbearance plan on XX/XX/2022 ( Email confirmation received that request was successfully submitted on XX/XX/2022 at XXXX XXXX  XXXX ). The email confirmation states that I will be contacted within 7-10 days to discuss the submission, however I wasn't contacted. I called multiple times to get a status on the request, have left message for XXXX XXXX ( My assigned account specialist ) and XXXX ( My assigned account specialist 's " Supervisor '' ), however I never heard anything back. I check the status of the request online daily, and noticed the request was gone and nothing was sent to me regarding an approval or denial. I submitted the request again on XX/XX/2022 ( Confirmation email states successfully submitted on XX/XX/2022 at XXXX XXXX  ). I called yesterday, XX/XX/2022 to request a supervisor in the Loss Mitigation Department, and was transferred to a random voice mail. This happened three additional times. I can not get a hold of anyone, and can not get the assistance or even an answer on the forbearance request because no one will call me back or speak to me directly. I get the automated dialer collection calls, but that is it. They sent me pre-foreclosure paperwork stating I have to have my balance paid in full including the advance on my escrow by XX/XX/2022. I'm not sure how they are able to take these measures without returning my calls or working with their customers like they claim to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 602 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 2022-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 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 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 602 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 2022-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
We searched online for a horse trailer and found one that was located in NY. After agreeing on price and terms, we were sent wire transfer instructions. The money ( {$4300.00} ) was sent and receipt was confirmed. The trailer was supposed to ship in 25 days. 

When we had not heard anything from the company, we attempted to contact them with no luck. We ultimately determined it was a scam. The wiring instructions are attached. 

We requested Wells Fargo rescind the wire but have heard nothing from them. We also attempted to call XXXX XXXX  who was the recipient bank but they did not respond.

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 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to resolve this debt with RentDebt Automatic Collection LLC. 
I was not aware of this debt of XXXX until this week, I lived at XXXX XXXX  at XXXX XXXX in XXXX, faithfully paid my rent for 44 months without ever being late, they are stating this is the charge for not giving a 30-day notice before moving out which I believe is unfair to a women my age, although again I was not aware of this debt, in good faith I called to try and resolve this issue, making them aware of the fact that I am XXXX XXXX XXXX on fixed income with very little money to spare. I am willing, not able to settle for 50 % leaving me very little to live on but I believe in taking care of my personal issues. They are refusing to do anything more than 30 % which I am unable to afford. 

I NEED HELP with this matter ASAP. I am attempting to do the right thing. PLEASE HELP Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: AE

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 non-monetary relief
Consumer complaint received 2022-09-27 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: AE

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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: AE

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
Consumer complaint received 2022-09-27 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: LEXISNEXIS
State: OK

Complaint narrative:
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies.

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NY

Complaint narrative:
On XXXX 2022 my prepaid card account was closed by the card company without notifying me of closure. Before closure of prepaid account on XX/XX/2022 requested a dispute of a transaction error of {$140.00} from merchant XXXX XXXX XXXX in which the prepaid card company provided a provisional credit. Waited 10 business days for an update from Netspend prepaid card company which was on XX/XX/2022 of a credit refund to the card account in the amount of {$140.00} via check. as 5 business days passed failure to receive the return of funds from closed account in the amount of {$140.00} from Netspend. Called numerous times regarding of not receiving the check by mail via USPS, they have given me different information regarding my check of return funds. It has passed 10 business days and still no refund check from Netspend and they fail to assist me due to closure of card account.

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 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo has locked me out of my online banking. Im XXXX  living in XXXX XXXX. Theyre saying I have to go to a branch in USA to get it back open. Over the last 3 weeks Ive talked to 20 different people. They all say same thing, I have to go to a branch in USA. I let them know I was moving and traveling internationally. Apparently they have no way of helping international travelers! They cant use international numbers or email to verify account information, only US numbers. The reason they locked me out of my online banking is because I used the service they provide to make a wire transfer to someones account at one of XXXX XXXX biggest banks. They marked that as suspicious! They offer a service on their online banking website, and then they cause problems when you make the simplest of transactions! Ive had to waste lots of money on hotels and transportation because I havent been able to transfer money to buy a car. I think this is negligence on their part and malpractice. Is there anything we can do to file a complaint about Wells Fargo international services? I would also like to be reimbursed for the money Ive wasted! Thanks, hope you can help!

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 2022-09-27 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: CT

Complaint narrative:
In accordance with fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy, 15usc 1681 section 604a section 2 it also states that consumer reporting agency can not furnish an account without my written instruction under 15usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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, 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 2022-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This debt that they are constantly calling about is not my debt. I reported this to the credit bureaus as well and they placed a charge off on my credit report and then repeatedly call and harass me. I have blocked their calls and requested they stop yet they continue. I want them to stop immediately as they have already taken fraudulent action by placing a charge off on my credit report. The company is called Southwest Credit and they call from various states and numbers and I block them all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Commencing in XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether TD Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
in accordance with The Fair Credit Reporting Act. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be a creditor may not treat a payment on a credit card account. Under an open end XXXX XXXX plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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