vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My wallet was stolen with my ID, ss-card, bank card, cash, and more person information. The wallet was sent back to me from XXXX Florida with only the ID and bank cards. I went to the bank and cancel the cards and got replacement. I started receiving calls about collecting a debt ; I thought it was a scam call so I never took it into consideration that it was real. Then I seen on my credit that another XXXX  XXXX card was open and using my address and information. I contact the Credit bureaus and file a dispute and contact XXXX  XXXX and told them my identity was stolen back in XX/XX/XXXX and that I never open the account and they didnt cancel the account they told me to send them the documents I have when I filed the police report and I sent it and they still havent did anything about it. My credit have been effect bad because of the account they have on my account. I even sent them proof that I was working at the time and that I travel for work and I been working since XX/XX/XXXX to XX/XX/XXXX. Can someone please help immediately because Im trying to start a business and I cant with bad credit.

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 2022-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Goodman Frost, PLLC
State: MI

Complaint narrative:
I logged into XXXX website on XXXX XX/XX/2022. Found notification from XXXX XX/XX/2022 stating a collection agency, Goodman Frost, conducted a hard-pull on my credit file without a permissible purpose. The type of pull was identified as being related to an " instalment loan or new bank account inquiry. '' I have had zero ( 0 ) contact with the colection agency and am unaware of what any potential collection action could be for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX sold a fradulent account to keynote consultant 2 years ago. I contested the fradulent account through XXXX XXXX XXXX XXXX and keynote consultant and they both agreed to remove the fradulent account from my credit file. The collection account was removed from my account and keynote consultant retaliated against me and sold the account to a collection lawyer by the name of XXXX XXXX XXXX. 
I feel that these are illegal practices and they retsliateed against me because I filed a complaint about their deceptive practices. 
This make no sence that they would remove this fraudulent account t and then try and sue me. Your record will show that they agreed along with XXXX in XXXX to remove this fradulent account from my files then they came back illegally and sued me thats retaliation and illegal practices

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 2022-02-23 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclays has stolen money from me.After I made my last payment of 400 they let transactions go through totaling XXXX and are making me pay for it. This is unacceptable behavior. This is a way your company can keep a balance on a card so I have to keep paying

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 2022-02-23 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: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/2021 I had used my discover to visit a supposed doctor in which i backed out and he still kept my XXXX. I have kept all of the hateful texts and he never did anything. Even claimed he was reading the results to my tests however, I have other doctors that ordered them and they had already read them. He was very hateful and only refunded me for a test I was not going to get. He would not refund me the XXXX said it was his time. He did not do ANYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MI

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I'm reaching out in hopes to get help with a situation I am going through with Bank of America. I fought back and forth with unemployment for 3 months to collect my funds when I finally was approved and the direct deposit hit {$5000.00} was transferred to an unknown account this was on XX/XX/XXXX I reported it to the claims department and they refunded my money and sent me a new card with a chip in it I received the refund on XX/XX/XXXX and then on XX/XX/XXXX an ACH withdrawal was transferred my account again in the amount of {$3500.00} I then call and submitted another claim and questioned how did this happen again when they made me go through different measures of security when it happened the first time. So now BOA is denying my claim and they said that they would send me the findings for their decision, they never did so I called them to inquire about it and they told me that the findings were no longer available because I requested a reconsideration so now the prior investigation has been wiped out and a new one started. I filed a police report I have also contacted XXXX  and BOA called me within 4 days of submitting the complaint and they left a phone number with an extension that does not connect you anywhere. They gave me a deadline of XX/XX/XXXX to submit further documentation but did not tell me in the message what it is they needed. So I submitted that complaint to BBB and they called me again I went to answer and the person hung up. When you go on the BOA complaint website you will find several people that they are doing this too. I need help retrieving my funds it has been a hardship on me and I can't seem to get through to them. I've called several times and first, they said I didn't have a claim now they said I had to submit a new claim which they declined now they are dragging their feet in showing me proof in their findings. If anyone could help me it would be greatly appreciated. 

My contact info is XXXX XXXX Thank you, Best Regards, XXXX 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 2022-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
A final payment to close my mortgage was made to XXXX  XXXX XXXX ( XXXX ) on XX/XX/XXXX after selling the property. After that date I have kept receiving notices for monthly mortgage payments from BSI Financial Services ( BSI ). 

I received the payoff amount from ( XXXX ) when attempting to pay off the mortgage and was told that amount would be good until XX/XX/XXXX. They then sold the loan to another company, ( BSI ) in the middle of all of this. XXXX sent the payment to BSI. BSI states the payoff department applied the amount to the principal but not toward paying off the loan. This makes no sense because the payment was for the entire outstanding amount of the loan and the bills they are sending are for the standard mortgage payment amount. 

I began calling BSI the second week of XX/XX/XXXX. Every call gets the same response : They will submit a request to the payoff department and call me back but they never do. I have requested a supervisor or manager be involved multiple times as well. They always say one will call me, but they never do. 

I have asked the title company ( XXXX XXXX XXXX ) for assistance in this matter as well. The title company sent a copy of the payoff to XXXX on XX/XX/XXXX after they were told they would honor the payoff once receiving documentation. A copy of this documentation that was sent by the title company is attached. BSI now states they did not receive the documentation from the title company, and still has not returned any calls after promising further investigation.

BSI Financial Service XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX ( Fax )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: CA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2022-02-23 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: GA

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report 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 non-monetary relief
Consumer complaint received 2022-02-23 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: MI

Complaint narrative:
I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 non-monetary relief
Consumer complaint received 2022-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duncan Solutions, lnc.
State: NJ

Complaint narrative:
My name is XXXX : XXXX, a federally protected consumer and the beneficiary of the Social Security XXXX XXXX XXXX XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. See the attached documents ( Affidavit ) as it contains my full complaint/demands. I am making this complaint against Professional Account Management LLC. for violating my federally protected consumer rights ( as mentioned in my Affidavit, which now constitutes civil liability per 15 U.S.C 1692k ) and committing identity theft ( 15 U.S.C 1681a ( q ) ( 3 ) ). I have never given Professional Account Management LLC. any permission/consent to use/obtain any of my personal information to commit mail fraud by contacting me about an alleged debt they claim I owe or to create an account without my knowledge ( Exhibit A, attached ), which is also an invasion of my individual privacy. On XX/XX/2022 I received a letter ( Exhibit A, attached ) from Professional Account Management LLC. which is mail fraud ( 18 U.S.C 1341 ) and contains violations as marked. On XX/XX/2022 I sent out documents to Professional Account Management LLC. ( see attached documents ) to verify the debt ( provide a true bill in commerce ), cease and desist and demanded to compensate me for the violations on Exhibit A. On XX/XX/2022 Professional Account Management LLC. received my documents ( green return slip signed attached ). On XX/XX/2022 Professional Account Management LLC. responded with a letter ( Exhibit B-1 ) which is not a proper response to an Affidavit and the documentation they provided to allegedly " validate the debt '' is insufficient. Professional Account Management LLC. has not provided sufficient documentary evidence that can prove that I have any legal/lawful obligation to pay them. I am demanding that Professional Account Management LLC. provide the original instrument of indebtedness or proof that the instrument still exists, and the contract that they have to collect on the alleged " debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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:
My credit report from Transunion is showing 2 items on credit report as being opened with a monthly payment. It is reporting wrong. I wrote them and called them and creditor several times and they just will not fix it in a course of the last 60 days. The creditor us saying it's the credit bureaus fault that it's not showing correctly. The creditor even provided me with proof of a letter to transunion and transunion is yet to pick it up from the post office. It's in regards to two accounts from XXXX XXXX XXXX account # XXXX. Account was closed and charged off XXXX and XXXX XXXX XXXX account # XXXX was charged off on XXXX. It clearly is against the law and it's affecting my ability to obtain a home loan. Please help us to have it fixed as soon as possible. We are in a crisis situation and need it fixed fast. We do not want to be without a home to live in. Covid has affected us tremendously and getting a home would help us. Please fix the errors. We most certainly would like the debt deleted off our credit because it's in violation of the law. We most certainly would like it to reflect the truth of it being closed and monthly payment at zero and as a charge off. Thank you. This is affecting my health also.

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 2022-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My original mortgage was with XXXX XXXX  and as part of their mortgage package they offered a rate renewal for the cost of one months mortgage payment for the life of the loan. The mortgage note is currently held by XXXX XXXX  in Delaware. I have attempted to contact them several times by phone and email in XXXX with no return calls or emails. On XX/XX/XXXX I contacted the office in Delaware and expressed my desire to renew my mortgage rate as per the terms of my original mortgage. Later that day I received a call from a loan officer and after explaining to him about the XXXX rate renewal he told me that since they now held the note the terms of my mortgage were no longer valid and I would have to go through their mortgage process if I wished to renew. I told him the terms of the original mortgage are to be retained no matter who is holding the note. At that point the conversation ended.

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 2022-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gatestone & Co. International Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I started working on my credit report because I have a car loan from XXXX XXXX XXXX  with a balance of {$21000.00}. 
When I started disputing that account, I did it, because in XX/XX/XXXX I had an accident and my insurance cover a payment on the value of the car. 
I contacted XXXX XXXX XXXX  an ask them for all the information they have on that account, knowing that my balance couldn't be {$21000.00}. After two months of sending them correspondence, I didn't received any answer. Until XX/XX/XXXX, XXXX when I call them via phone, and they told me they don't have any account under my name, but I could call to GATESTONE COLLECTION COMPANY. After that, I called this company knowing the car appears on my credit report as a WRITE-OFF and under XXXX XXXX  XXXX. When they answer the phone, they told me they have an account under my name with a balance of {$1700.00}. 
I asked them to sent me all the copies of proof they have and they sent me only one letter with some inaccurate information, like my address, my name on the address section, my grandma 's name. and that balance, they haven't sent me any proof on how much the insurance paid, or why do I own them that balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: MI

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX : {$0.00}. 
XXXX  Date of inquiry XX/XX/2020

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