vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Have had my credit file for a long time now as I already have 9 open credit cards available to me I havent verified my personal credit in a while, on XXXX, XXXX 2022 I decided to apply for Buissness credit card for my company surprisingly I was denied upon verification of my credit score and credit report I realized unusual inquiries from these credit institutions named above I will be placing a credit freeze and credit monitoring service with the 3 credit bureaus I belive that my information was compromised upon application for a vehicule loan.

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 2022-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Someone tried to opened a account at Barclays. Application ID : XXXX, Date XXXX XX/XX/2022.

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 2022-09-12 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: NY

Complaint narrative:
Please review my attachments, this is not a 3rd party. 

XXXX XXXX XXXX is reporting inaccurate information and in violation of several laws under the FCRA.

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 2022-09-12 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: NY

Complaint narrative:
Please review my attachments, this is not a 3rd party. 

XXXX XXXX XXXX  is reporting inaccurate information and in violation of several laws under the FCRA.

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 2022-09-12 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I sold a kitchen set on XXXX XXXX. I received a offer to purchase it. The person asked me if they could pay me with Zelle. I said yes so the purchase price was {$320.00}. I gave them my information meaning my name and my email address which is related to my Zelle account at XXXX bank. The buyer told me to check my email to verify that I got an email from XXXX regarding the money was sent. I checked my email and I saw an email from Cell saying that {$320.00} was sent but was not able to be deposited because I needed a business account and in order to open a business Account I needed a minimum of a {$720.00} transaction. The emails said that the buyer would have to send me an additional {$400.00} to make a minimum of a {$720.00} transaction to open a business account. The buyer then messaged me again that they got the same email and were reluctant to send another XXXX because they didn't know me. They said they would be willing to send the other XXXX if I gave them their word that they would refund it to me as soon as I received it. The buyer then told me they sent the other XXXX and I should've received an email stating so. They told me to check my email again which I did and the email which appeared from XXXX told me that there was {$720.00} available for me and needed to be released from my buyer in order to open the business account and receive my money. The buyer said they also received the same email and said before they would release the money to me they wanted to make sure they got their XXXX back. So I sent them {$400.00} which they said they never received. And consequently there was never a release of the money of XXXX to my account. The XXXX was withdrawn from my account via Zelle so I know they received it. They then proceeded to send me another email from XXXX telling me that I needed to buy a license for XXXX. That is when I put the brakes on and figured that it was a scam. The money was sent via Zelle to XXXX XXXX with email address XXXX. It was noted as XXXX transaction number XXXX. This all took place on XX/XX/2022. PLEASE NOTE MY EMAIL RELATED TO MY CHASE ACCOUNT IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
CountryPlace, Please explain the following items : In your response to my complaint on XX/XX/XXXX, you attached a One to Four Contract that does not include every signature and/or the Certification of Completion. Why is that? You are missing the Title COmpanys signature and the Sellers Wet Signature. See attached.

How is Country Place NOT a part of the One to Four Contract if you created the document requesting me to sign it? 

One signature is from the title company, one is from you, and one is I had, and one is the only one I can say can be somewhat valid because it has a certificate of completion. 

Also, I got quite a few Closing Disclosures and this is my first time buying a house. Can you please confirm if we're using the Closing Disclosure from XX/XX/XXXX? that the Closing Disclosure you provided to the Title Company. Also, you sent a Closing Disclosure to the CFPB dated XX/XX/XXXX. WHAT ABOUT THE CLOSING DISCLOSURE FROM XX/XX/XXXX? The one from XXXX has a certificate of completion. ( see attached ) Why did we have to sign so many different closing disclosures is that normal? 

How come we or you had to pay for the XXXX XXXX  XXXX Surveys? What about the XXXX XXXX ones? 

Why did the same appraiser who did my appraisal do a lot 2 and lot 3 also? 

If you had the XXXX XXXX Information how come you did not provide this to the title company or to me or the CFPB? We would have liked to know there was a whole XXXX XXXX  Agreement. 

How come my house was sprayed for termites whenever you should not do that considering the well thing? How bad is that for my family 's health? 

How come XXXX the Site Contractor worker, the developer, and the septic installer were not disclosed to me? 

How come XXXX XXXX was not disclosed to me? And why did she list my house for sale after I bought it? 

How can I get the construction costs? I would like to know how much we paid for the well and everything? 

I've reached out to you so many times please send me my loan documents, i want my escrow information also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I, acted, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, and lastly XX/XX/XXXX, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes XXXX ( XXXX ) ( h ). 
If you, American Express Company adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to XXXX ( XXXX ) ( XXXX ). You should be aware that your reason for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you American Express Company, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions. 
Let it be known that I am ready to litigate this matter for discrimination against my good faith in exercising my rights ECOA 15 USC 1691.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-12 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: NY

Complaint narrative:
This is not a 3rd party! Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Please review attachments!

In fact, this account Date of Activity is different on all 3 consumer reporting agencies. So, not only is this account a violation but its also 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 2022-09-12 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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX Amount ( XXXX ) : {$200.00} and {$730.00} ( {$730.00} includes multiple transactions. 

Filed fraud complaint on XX/XX/22 with Bank of America. After filing the the claim, I requested multiple escalations through their claims department where the issue was supposed to be resolved by the end of the following business day, by using their availability of a hardship claim. They have been telling me that the funds will be available in my account that same day for over 4 days now and I can not get a straight answer from any department I get in contact with.. the claims dept. Has hung up on me, not once, but twice. The final straw was two separate agents agents told me they were having technical difficulties connecting me to the head of their department and promising me a call back, which i never received.

The bottom line is that Bank of America fraud dept is giving me the run around and not refunding me almost {$1000.00} that was fraudulently taken from my account and they will not give me an answer as to when this will be resolved.

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 2022-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX Wells Fargo received a written request to close and wire transfer all the money that was is in a XXXX account. Ive called their Exception Payments Account Closures Department several times and always on hold from 2 hours 30 minutes to 7 hours on hold and can never get a person on the line. Once XXXX XXXX  pst came all the lines are disconnected so I filled a complaint with their business executive officer on XX/XX/XXXX but no one can ever give me a direct answer to when those funds will be transferred. 
After numerous calls and being misdirected I was finally got an email from XXXX XXXX whos title is Executive Office Case Specialist and was given a case number # XXXX and was told that they would investigate the delay. After a few days I was told that the Exception Payments Account Closures Department was running 60 days behind schedule. This is outrageous and unacceptable, but it wasnt till XX/XX/XXXX that I received a call from Wells Fargo Exception Payments Account Closures Department and reconfirmed all that necessary information to have the wire transfer done that day and was given a confirmation number with a date of expectation of money being deposited on XX/XX/XXXX. 
On XX/XX/XXXX I again called Wells Fargo and was given the run around with no straight answers of where this money was or if there were any problems. The only thing I was offered was wait till without looking into this problem was that it takes 10 business day which would be XX/XX/XXXX. Being rushed off the phone I felt there was nothing else I could do. 
Today XX/XX/XXXX Money still hasnt been deposited and just to make sure We called the receiving bank to make sure there was no problems on our end. I contacted XXXX XXXX from Wells Fargo again and was directed to the wire transfer department. I called that department but was told that they couldnt help me because my account was closed and I would have to speak with Exception Payments Account Closures Department and I asked to speak with a manager and was blindly transferred to Line of Business Executive office I Talked to other agent there and was told that XXXX XXXX would be calling me back within the hour because she was in a meeting. I need to know where this money is at and when will I be receiving it. I had open escrow on a property and was suppose to close this deal on XX/XX/XXXX, one day after the original day and since I was not able to close the deal Im out {$5000.00} already.

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 2022-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: KY

Complaint narrative:
on XX/XX/2022 a letter was sent stating that I were disputing the validity of the alleged debt by certified mail. Also, a notice to cease and desist letter was sent on XX/XX/2022. 

Re : Notice to Cease and Desist Account Number : XXXX Dear NCA , To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/2022. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These errors where sent on numerous of times and nothing has been done. I have sent letters to each company as well and nothing was even responded to. I have to seek and go the legal right I will. I have been reaching out for 6 months now. Also I sent a complaint through here On XX/XX/2022.

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 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
I signed up with Americor for debt relief with 4 creditors during these months they only supposedly reduced on then during this time I payed off another creditor then was told by Americor that they had to pay them off so we sent them the money to pay off another and they didnt pay it off after I seen in credit report that now I was 90 day behind I had to then pay fees on top of what I sent to Americor after I argued with them for week I finally the refund the money now I owed more that previous balance then Americor was taking money out of my account and not paying the creditor the only paid them 2 month worth when I spoke with one main bank they also said that Americor had not finished the settlement with and they had only made 2 payment but Americor was taking 2 payment a month when I asked Americor they said it was fee for the settlement but prior they said that they where paying them 2 times a mont and the fees where where small after many arguments and being told I didnt understand I canceled services with them even canceling was a huge argument basically telling me I was stupid in the time they only settled on 1 account I had paid off 2 other even though they took money from me and cost me fees and penalties on one of those creditors to this day I cant get a accounting of the fees or how much they paid its been a horrible experience

Company response to consumer: Closed with explanation