vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: VA

Complaint narrative:
I was notified of breach on my social and notices accounts that I did not recognize, which one was the Opportunity Financial I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on

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 2022-02-11 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: VA

Complaint narrative:
I was notified of breach on my social and notices accounts that I did not recognize, which one was the XXXX XXXX I disputed with bureau and requested verification and no response... .I reached out to the company and got no response as well. Called the company and made arrangments to pay to get it REMOVED of my credit as I was in middle of closing on a loan and they never took payment out my account a two years ago. I called them back again a month ago as I see it was never removed nor funds came out and I never got verification from the credit bureau or company and the rep advised he seen notes of the information and it would be removed and someone will contact me back but its still reporting on

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 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i was charged the maintenance fee {$12.00} for two months in my checking account, while I have enough funds in the savings 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 2022-02-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am in the process of buying a house, XX/XX/XXXX, I have been approved for a loan with JP Mogan Chase on XX/XX/XXXX. I did not check or go elsewhere for a different mortgage pre-approval or check my credit again. At that time my credit score was XXXX. XXXX, XXXX, XX/XX/XXXX : my credit score was XXXX. I had a conversation with my lender at JP Morgan Chase Loan between XXXX XXXX XXXX XXXX to lock the loan rate because the closing date to buy the house is between XX/XX/XXXX and the end of XX/XX/XXXX. Suddenly, my credit score went down to XXXX points. I contacted the bank and followed up with them, I have the inquiries report stating that my credit score has been checked 5 times. And that is the reason my credit score went down. XXXX XXXX XXXXXXXX/XXXX/XXXX, XXXX, XX/XX/XXXX, and JP Morgan Chase XXXX XXXX XXXX the companies that pull my credit. I'm making a complaint against the companies, and all unauthorized hard inquiries by JP Morgan are to be removed, so my credit score can go back to what it was XXXX. And I can continue the process of purchasing the house at the rate that I qualified for as I already have an executed contract with a builder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: VA

Complaint narrative:
I pulled my credit report due to me getting notices that my social security and some of my accounts had been attached to a data breach. I notices some accounts that I was not aware of and unusually increase and charges on other accounts on my report. Disputing thru the credit bureau and company regarding inaccurate accounts and requested validation and verification of debts. Credit bureaus never provided, I requested accounts to be REMOVE AND DELETE from my reports but the account is still reporting and investigation was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have new and updated information regarding my previous complaint XXXX. Synchrony Bank alleged in its response that my application for a TJX Rewards credit card was made in store however, the attached email states that I initiated the consumer credit transaction online and on a different date than what Synchrony Bank stated in their response.

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 2022-02-11 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: FL

Complaint narrative:
I HAVE A DISPUTE THESE ITEMS. AND DIDNOT GET ANY INVESTIGATION RESULTS. THE INVESTIGATION TOOK WELL OVER 30 DAYS.

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 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

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 2022-02-11 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: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 
XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, my online XXXX Bank of America ( BofA ) account was broken on XX/XX/XXXX and {$4900.00} were transferred to a hacker account. 
I called to XXXX BofA customer service earlier, on XX/XX/XXXX, when found a strange message on my phone. I asked to check if everything is right with my account. Customer service representative assured me that everything is good. 
The claim was opened on XX/XX/XXXX. BofA put a credit of {$4900.00} on XX/XX/XXXX. 
I received a letter from BofA that my account was frozen on behalf XXXX on XX/XX/XXXX. XXXX denies that they asked BofA to freeze my account. 
Then I received another letter from BofA dated XX/XX/XXXX telling that my claim was denied because BofA could not revert the money. BofA offered me contact the hacker personally to return the money. BofA wants the credited money back together with all fees related to this investigation. Debt agency already started call me. 

BofA does not want to communicate.

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 2022-02-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE A DISPUTE THESE ITEMS. AND DIDNOT GET ANY INVESTIGATION RESULTS. THE INVESTIGATION TOOK WELL OVER 30 DAYS.

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 2022-02-11 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: TX

Complaint narrative:
XXXX AND XXXX DELETED THIS ITEM DUE TO ITS INACCURACY, I NEED TRANSUNION TO DO THE SAME

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 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I cancelled my service with XXXX after over 10 years, and they have the nerve to be billing me {$300.00} a bogus random number they've come up with. Now I see why people get Prepaid Cell Phone Service so these companies don't have access to their credit reports, and social security numbers. 

Now, they have so called outsourced the debt, and now another company, Convergent, is trying to bill me for the same debt again. The companies are really something. 

XXXX has shut down my access to the website, so I can't log in to see what my so-called charges are. I have returned all equipment to XXXX  through the XXXX store they requested and need some help getting these people to return my account to zero. I closed my account in good standing. 

I do not owe either of these companies any money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Attached are 5 documents that require responses from Selene Finance : 1. Selene Finance Tax Form 1099-A - Acquisition or Abandonment of Secured Property - Selene Finance acquired my home on XX/XX/XXXX. I received no notification to show up to court prior to acquisition of my property & Selene Finance ignored XXXX XXXX effective until XX/XX/XXXX. 
2. Mortgage Balance- is my mortgage balance {$180000.00} or {$120000.00} or {$110000.00} or {$100.00}, XXXX as of XX/XX/XXXX? 
3. Property Not Vacant Notification sent to Selene Finance in XXXX ( certified mail/return receipt ). This letter serves as written notification that the property is owner occupied and NOT vacant/abandoned. 
4. XXXX XXXX filed by Selene Finance for repairs I did. 
5. Documents Requested

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have new an updated information regarding my previous complaint. I would like Discover to provide the federal law which gave it permissible purpose to obtain my consumer report on XX/XX/2017. I would also like Discover to provide the written consent it received from me to perform this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
To Whom It May Comcern : I have an account with XXXX XXXX, and although I made a check payment that was rejected by my bank, XXXX, did not resubmit the returned check a second time, which is a customary banking practice. Instead, I was referred to the credit bureau as being 60 days late. XXXX has been difficult, if not impossible to conduct business with due the the appearance of their predatory practices. My credit has been ruined, and my life has been turned upside down because of their cut throat and specious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
The collection agency XXXX XXXX XXXX flagged my credit as a collection account on XX/XX/XXXX. The company flagged my XXXX, XXXX and XXXX reports for an amount of {$1300.00}. I immediately disputed this collection account because I have NEVER been contacted by this company via mail or phone. I have no knowledge of this company nor this debt they claimed I owed. By them unfairly placing this invalidated debt on my credit, my score dropped XXXX points on all three credit reports. In addition to that majority of my Creditors have reduced my credit limits, making this problem snowball into an even bigger problem. I disputed this collection account with all 3 Credit bureaus onXX/XX/XXXX. At the conclusion of that, XXXX XXXX still had not contacted me or sent me any correspondence to validate this debt. They in fact only updated the date they claimed to open this collection account. They now claimed to have opened this collection account XX/XX/XXXX, which was false. I have proof this account was reported in XXXX of XXXX. According to the CFPB Rule 12CFR1006.30 that took effect XXXX XXXX, it requires all Debt Collection agencies to contact the consumer before providing information about a debt to any Credit bureau. XXXX XXXX has broken the law and ruined my credit. If this matter can not be resolved, I do plan on taking it further to restore the damage they have caused me and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX I was unable to log in online on my account so I reached out to Citibank customer service to help me resolve the issue. 
XXXX this is the date that my social security check was to hit my account and be available to me. 
XXXX was told by customer service that I needed to speak with a fraud department to gain access to my account again but they were closed so I would need to reach out to them the next day. 
XXXX this is when I was able to reach the fraud department and found out that my account had in actuality been closed on the XXXX. I asked about my social security check and was told that social security had not sent my check and that I would not need to call social security and discuss this with them. 
XXXX I call social security they said that yes it had been sent out to that account and that per protocol, if the account closed on the XXXX, then it wouldn't be able to be deposited on the XXXX and on the XXXX it should be sent back to social security. And they would then be able to deposit into another account that I gave them the routing information for but they made it clear that this process would take at least 5 days to do. 
XXXX my social security check had not reached my new account yet so I called social security to see what had happened and they said they had not received it back. They also gave me a tracking number for the check. 
XXXX this is when I found out from Citibank that my funds were " forced '' on the account on the XXXX and that they shouldn't have been able to be placed in that account because the account was closed on XX/XX/XXXX. And so they had actually received it on the XXXX when I talked to them and yet they did not even place it in my account until the XXXX. when my funds are supposed to be available on the XXXX of each month. and I was also informed that it would take 30 to 60 days for me to receive a check by mail unless I could get to a branch and get the money from them. I live by XXXX, Washington the nearest branch is in XXXX, California. 

And I haven't even told why all this is happening. I have no idea why they closed my account I don't know why funds were placed into account an account 3 days after it was closed, 3 days after I had no online access. I had no access to the funds. I have bills to pay. I have to pay my rent I'm screwed. I can't even feed my dogs. What do I do now?

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