vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. Unauthorized Inquiries : XXXX CASE XXXX XXXX XXXX XXXXXXXX XXXX Transunion XXXX XXXX SERVICES XXXX XXXXXXXX XXXX Transunion XXXX XXXX XXXXXXXX XXXX Transunion XXXX  OF XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XX/XX/2023 Transunion

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 2023-04-13 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: GA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XX/XX/2023 I have been waiting for over 5 days for Bank of America to return 2 processed refunds in the amounts of {$100.00} and {$39.00}. XXXX ( manager ) & employee # XXXX XXXX both are denying that boa has received these funds already and said it could take up to 14 business days in order for this return to process to my checking account. I've already confirmed with the merchant that the funds have been released to BOA. Why does Boa have the right to withhold my funds for 14 business days? They are using my small amount of money to benefit off of for their own financial gains. I am not rich like they are and this is illegal. Something needs to be done about this immediately.

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 2023-04-13 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: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX Disputed charge from XXXX XX/XX/2023 -- Barclays Mastercard advises investigation states that merchant already credited account XX/XX/2023 XXXX was reapplied by Barclays stating that merchandise was not returned XX/XX/2023 -- Faxed Barclays proof that merchandise was returned. 
XX/XX/2023 -- Barclays refuses to return money stating insufficient proof was sent. 

Barclays also makes it virtually impossible to speak with a lice person and keeps me on the phone transferring from one department to another with no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was to close on my Mortgage w Citibank on XX/XX/XXXX but Citi was unable to get my XXXX Tax Return from the IRS and so Closing continued to be delayed. I continued to send additional funds to the attorney for the seller to not lose the sale. I had to close on XX/XX/XXXX with an all cash sale using funds borrowed from my Margin Account., I was advised that I could refinance and began the process. I was asked to resubmit documents many times. I did so within hours of each request not hearing back and then a few weeks later another request was made. This went on from early May through the summer. By then, the appraisal expired and had to be repeated. I was assured that the refinance closing would take place on XX/XX/XXXX. Meanwhile the interest on my XXXX XXXX increased each month as the Federal Reserve raised rates. 
The day before the closing I was informed that an approval from the condominium board expired and closing could not occur. I had to repay for this approval application waiting 20 days for the mortgage processor to receive it. Why did the Bank not review the expiration date which occurred well before XX/XX/XXXX? 
It took another two months again w requests for same or updated documents.I was told in XXXX that I needed XXXX in my checking/savings acct for the loan to process at the agreed upon rate. I had to withdraw my XXXX savings account and place in my Citi savings account to make this happen. 
The constant delay, re-submissions, expired documents announced at the last minute, change of balance amt in my accounts cause not only a XX/XX/XXXX closing but a severe financial margin interest cost and additional 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 explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion never allows me to obtain a free credit report from annualcreditreport.com. I have had success obtaining XXXX XXXX XXXX. 

I always get this response from Transunion : Unable To Complete Your Request Online. 

Or this response : Unfortunately Your Request Can not Be Fulfilled Online At This Time. 

The problem is they then recommend that you request your report using one of the other options which is by phone or mail and that can take up to 15 days as opposed to getting it at annualcreditreport.com the same day.

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 2023-04-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX and has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX  XXXX and has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DOSS Group, Inc.
State: TX

Complaint narrative:
-Started process XX/XX/2023 to refinance a property I own and wanted to change companies of the hard money loan I already have. I told the agents, XXXX XXXX and XXXX XXXX of Doss Home Loans , LLC, that this needed to be done quickly because of the charges I occur from the latter company monthly and I couldnt afford to drag this out over 30days. I was assured they would get this done in that time period as to not cause me more interest and finance charges. This is not what occurred. It is now XXXX XXXX, XXXX  and we still havent gone to closing. Also, some other actions were taken by Doss Home Loans agents that I believe werent needed or up to normal required or legal practices ; which include making us change the property deed out of my business name to my minority partners name without permission from the original lender, which I believe may be a requirement. I never wanted to do this is the first place but they said it had to be done. We were also asked to get several documents notarized that were already legal and filed with the state of Texas ( discriminatory ), these documents do not need to be notarized. This refinance loan was for DCSR for my business rental property. Because of this companys failure to complete this refinance weve lost thousands in potential rental income, its negatively affected my credit score, and weve incurred XXXX in additional mortgage costs & taxes. This has been very stressful and a hardship for me and my business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Theft of property at XXXX XXXX XXXX, XXXX XXXX, NY XXXX with proof of Satisfaction of Mortgage filed by servicer PHH Mortgage aka XXXX, thefts, fraud, malicious manipulation, and neglect of wrongful filing acknowledgment under oath by XXXX. The previous servicer.manipulation of Insurance claims and fund with XXXX. Abused of elderly mother on the mortgage with me. Just spent over $ XXXX in recent renovations. Fraud.violation of Federal Truth in Lending, billing, and credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had my identity stolen. A bank account was opened under my name in Bank of America. I only found out when I received the email from such institution regarding a new account opened under my name. It was done online which anyone can do now. 
I went to a Bank of America branch to complaint about this account that was opened without my authorization. Now, I have my credit frozen with the three bureaus since 2019 so, how come Bank of America opened an account without a credit inquiry? When I asked them about it, they said that when someone opens an account online they just ask for the social security number but they don't do a credit inquiry, they just open the account. 
So, it looks like freezing my credit with the bureaus it is not a secure measure anymore, this action makes me feel totally vulnerable to scammers, since now they just need a social security number to open an account with Bank of America. 
Also, they said they couldn't give me anything on paper that proves that this account was closed and that I was clear from anything that could happen or charge this account. So, even today I don't have anything in writing from them stating that this fraudulent account against me has been closed other than the representative over the phone telling me " believe me, it is closed '' ... 
The last email I've received from Bank of America, was stating that my email address was updated and I was able to see the scammer 's email address which is : XXXX. 

Bank of America XXXX XXXX : XXXX Fraudulent Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one have not fully credit back unauthorized charges putting late fees interest on account that has fraud closed my account and messed up credit report with wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My sisters penned my bank account number in their IRS statements and when first of them granted stimulus checks on my bank account, i found that capital one bank have restricted my account preventing me from withdrawing money or completing pending transactions on the XX/XX/2021.

More than 18 months later after many calls to figure out solution the bank asked me to visit a capital one bank along woth my sisters which i clarified it was not possible since we are now living outside the US ( in XXXX ). 
The bank then told me that some sort of investigation will be done on my recent activities and till now nothing have been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP
State: CA

Complaint narrative:
Thank you for your service at the CFPB. It has been brought to my attention that my consumer rights and protections are being violated and trespassed upon by US BANK. US BANK has seized my credit report by reporting information on my property without a court order or my written consent and is authorizing XXXX to not remove my personal addresses because US BANK is reporting to XXXX where I live at. I was told by an agent at XXXX that I could not remove my personal information ( addresses ) because US BANK is reporting where I live. Im pretty sure that is identity theft at Most and at minimum a violation of the F.D.C.P.A ( Fair Debt Collection Practices Act ). US BANK is committing identity theft against my Estate.

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 2023-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - These accounts are inaccurate. The days late is inaccurate. Experian is reporting different information than XXXX and XXXX. Since credit reporting agencies must correct or delete inaccurate, incomplete or unverifiable information, Experian SHOULD NOT have different information than the other two credit reporting agencies. They said they have verified these accounts as accurate, so how is it that they have actually verified these accounts if they are still inaccurate? Furthermore, I have repeatedly asked for information regarding how they have verified my account and who they spoke to in order to obtain accurate verification. Experian has failed to 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 2023-04-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed this problem over and over but once XXXX XXXX XXXX send info to CFPB or the credit bureaus it is taken as accurate instead of looked at and investigated. So once again I ask CFPB to investigate the reporting of my account to the 3 credit bureaus by XXXX. My account is being reported as 30 days late when my payments to the fall between 1-29 days late. Example : My XX/XX/2021 payment was made on XX/XX/2021 which would make it 5 days late. XXXX  reported my account as 33 days late to the credit bureaus. My XX/XX/2021 payment was current and paid on XX/XX/2021 so my account was current. XX/XX/2021 would have made my account 33 days late if I hadn't made the payment on XX/XX/2021 or anytime before XX/XX/XXXX but my account was reported to the credit bureaus before that time which makes it fraudulently reported. The Fair Credit reporting act states that an account can only be reported to the credit bureaus 30 days after the due date. My due date each month is on the XXXX of each month. XX/XX/2021 is 5 days not 33 days late. I called XXXX  and tried to get answers as to why their reporting and accuracy of my account is so different from when I made payments and my bank statements and again the answers that I got was all over the place. I spoke to two different employees one of which was a supervisor XXXX whom I ask about reversals of payments that were made. None of my payments have been reversed or unpaid by my banks. I pay with a debit card every payment and if there is no available funds the payment will not even submit to XXXX. I was told that I had made payments by giving my checking account info, never and the last four of the checking account that he gave me isn't associated with me or any of the XXXX bank accounts that I have made payments thru. Again I have NEVER made a payment to XXXX  using checking account information. I have always paid with a debit or credit card. XXXX has also charged a NSF fee to my account when none of my payments has ever been denied or returned. This entire conversation was recorded by myself and supposedly by XXXX and yes I informed both employees before during and after the conversation that they were being recorded, both said ok. XX/XX/2021 is just one of 19 times that XXXX has reported my account 30 days late when it wasn't. I don't understand their calculations of days but the FCRA and federal government makes it clear that reporting is 30 days after the due date not 30 days from your last on time payment!

Company response to consumer: Closed with explanation