vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX this is not a 3rd party I am submitting this complaint myself all documents and identification is in attachments. Please see attachments for what happened with my Situation.

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 2022-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Olcese, PLC
State: IN

Complaint narrative:
Collection company was paid completely, this was verified with the local courts using cause number. Debt collector is harassing my employer, now attempting to have a garnishment through the courts on my paycheck for exact same amount as was paid in full and verified. I also have the information from the courts showing this was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, I bought an XXXX from XXXX XXXX  using paypal and the phone turned out to be stolen so I returned the phone back but I never got the money back. It's been a while and now I'm filing a complaint here so we can get this fixed asap. Thank you and have a great day. Transaction ID is XXXX and my email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or around the date of XX/XX/XXXX, my wife and I, who are first time home buyers, were discussing with my lender XXXX Bank of America ) on a loan estimate for a mortgage on a new house we will be closing on XX/XX/XXXX. The account manager for us was XXXX XXXX. 

During that discussion, I had told them that we were ready to move forward with the loan with Bank of America. We had directed the lender to do a 90-day lock in rate so that we have that rate locked in by the time we close on the house. Then, we went through signing papers for the application. 

Routinely, I kept checking in with my lender to see if there's anything else that needs to be done on the loan application. As first time home buyers, there's a lot to the process so I wanted to keep verifying with my lender if there were any steps that were missed. There was no mention of not having the rate locked in. 

Around the end of XXXX, as I was checking in with my lender, he told me he had in fact not locked in the rate. I've been trying to work with the lender XXXX Bank of America ) on getting this resolved, even with the managers above my direct contact. The manager, XXXX XXXX, was supposed to call me back on XX/XX/XXXX, but then told me they would need another day. Its been two additional days since and my calls are not being answered or returned. 
After calling around the company for customer service, someone told me the verbal message from the manager was that they will not honor the 90 day rate lock in I had originally requested. 

I do not know how things are normally done, but as a first time home buyer, the process felt incredibly deceptive. It didn't feel like my lender was working in my best interest and only looking to increase the upfront loan costs. Additionally, with a new loan rate, which have increased, my closing costs will also increase significantly.

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 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
All of the following companies made collections for an account that isnt owed by me : XXXX Amshercollectionservices Creditor : XXXX Amount : {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 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: GA

Complaint narrative:
I mailed a letter to XXXX, XXXX, and Transunion to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX, XXXX 2021. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
I mailed a letter to Experian, XXXX, and XXXX to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX, XXXX 2021. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I saw a pending charge to this account on my account in the amount of {$650.00} Which is inaccurate because I never authorized it and no one seems to know what it is. I was at XXXX XXXX on XX/XX/2022. The office stated they could not see it in their system. 
They proceeded to print out all of my bills from their office which did not include this charge showed on my account in the app. 
I have spoken with several of your customer service employees and still have not received an affidavit they said would arrive. I spoke with XXXX on Friday, XX/XX/2022 and she said to email the signed affidavit to XXXX. I spoke with XXXX on Monday XX/XX/2022 and was told in 2 business days to receive it. My informed mail delivery service shows an advertisement postcard from XXXX XXXX is arriving today so I spoke with XXXX this morning on your chat she said it will be emailed within 2 business days. So I emailed a screen shot of the fraudulent charge to XXXX. Ive received no response. I mailed a certified dispute letter including conversations with 3 different customer service employees, with a return receipt today to their address in XXXX and the card has been locked to stop any more fraudulent charges. I just want the error fixed. Maybe it was a typo but I didnt order any services or products for that dollar amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
Applied for loan with American acceptance credit abd was denied but they are reporting that I have loan. I have denial letter

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 2022-03-24 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 have new and updated information regarding my previous complaint against American Express for denying my application for credit for an American Express XXXX XXXX XXXX XXXX credit card account. I have attempted to mail American Express a request for payment of Arbitration Fees for XXXX  however, the letters I have mailed to the address indicated on the Cardmember Agreement have been returned to me twice via USPS. So, I have attached the request here as American Express has violated my right to credit, discriminated against me and violated the False Claims Act by stating the reason for denial of my application was due to an XXXX XXXX from American Express account being closed due to non-payment. American Express also violated 18 U.S. Code 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
never told me about {$18.00} overdue balance have tons of credit, and then they decided to report me without notifying me at all about the balance. I have almost all my accounts on autopay, this one is not LOOK at my record. They are trying to use systemic fraud to collect late fees by not informing their customers its only a few bucks for me which I paid immediately but these guys are definitely fraudsters and should pay the price. I will be paying the price unless this is completely removed from my credit. I am taking them and all the agencies to small claims court, I just had to wait for it all to show up on my credit reports to do that. Maximum damanges and possibly individual cases. Hopefully you can do something to to stop this fraud! Thanks!

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 2022-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This loan is too high. I am having trouble paying it. I did not graduate from this institution because I was not well prepared by the faculty and administration. I am stuck struggling to repay a loan for a school I did not graduate from in a field that I am not currently in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I notified Bank of America of numerous fraudulent transactions. They opened a claim and gave me provisional credit for the whole claim of {$17000.00}. a few days in they made roughly half permanent while " investigating the rest ''. They ended up denying the second half of the claim, Violating Regulation E, falsely advertised zero fraud liability and caused significant damages. 

Their whole basis was they could only recover half and the bank isnt in business to lose money. They ignored the facts and evidence and violated my rights and many laws. 

If they illegally overdraft my account, I will sue and seek actual damages, statutory damages, economic and non economic damages, punitive damages and legal fees.

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 2022-03-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a confirmation from Equifax of my personal dispute. The confirmation number is XXXX. The company is asking me to submit a copy of my social security card, driver 's license and or an official document to update my name. I submitted a valid governmental issued identification card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have reached out to the credit Bureaus over 30 days and I am yet to receive a response, these items should not be on my credit report, they are inaccurate and I demand to have them deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
When my loan was purchased by Mr.Cooper on XX/XX/XXXX is was delinquent paying property taxes due to actions of the previous mortgage servicer. I called them to get them to pay the delinquent bill and the penalty associated with the payment being late. They paid the delinquent taxes and the penalty out of the escrow account on XX/XX/XXXX. I asked them to pay the late penalty of {$190.00} into my escrow account as they are responsible for late payment penalties. They have refused. I called back on XX/XX/XXXX and they still refuse to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Conn's, Inc.
State: SC

Complaint narrative:
I contacted Conns home plus customer service after discovering that there were multiple accounts on my credit report that are no longer there. This is my second time calling and they were still unable to assist me with correcting this information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 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: DE

Complaint narrative:
I had a credit score of XXXX in XX/XX/2022. But within a 24 hour period, my score dropped XXXX points for no reason. I did not apply for new credit. I did not make any large purchases with a credit card. I have not missed, or made any late payments. And I did not pay off any loans or close any accounts in recent months. Transunion has not been able to provide an explanation, and closed their so-called investigation into the matter within one business day. The only action taken by the agency was providing me with a copy of my report, which I already had in hand. Nothing changed on my report. Transunion failed to conduct a proper investigation, and refused to provide any explanation for the sudden drop in my credit score. I need a resolution in this matter before seeking legal assistance. I want Transunion to correct the erroneous information on 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 explanation
Consumer complaint received 2022-03-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reached out to the credit Bureaus over 30 days and I am yet to receive a response, these items should not be on my credit report, they are inaccurate and I demand to have them deleted

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 2022-03-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reached out to the credit Bureaus over 30 days and I am yet to receive a response, these items should not be on my credit report, they are inaccurate and I demand to have them deleted

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 2022-03-24 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: CITIBANK, N.A.
State: PA

Complaint narrative:
To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
SOMEINE APLIED FOR THIS CREDIT CARDS USING MY INFORMATION ON XXXX

Source: XXXX XXXX:
JPMCB CARD SERVIES
Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation