vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Southwestcredit  # XXXX and XXXXXXXX XXXX # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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:
XXXX and Transunion have failed to remove the follow accounts from my account : XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX. Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B.

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 2023-07-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Real Estate Equity Exchange, Inc. d/b/a Unison
State: CA

Complaint narrative:
In XXXX of XXXX we entered into a home equity sharing agreement with a company called Unison. Unison 's business model is to provide a loan in exchange for a percentage of the home 's equity. In the disclosure information Unison makes little mention of there being any potential issues with refinancing your property once you have entered into an agreement with them. 

In XXXX of XXXX we secured a refinance loan of our ARM with XXXX XXXX. Our loan was set to adjust in XXXX and interest rates were just beginning to creep up. So we secured and were approved for a refinance at a fixed rate of 3.25 %. 

At the final stage of the new loan being recored we were informed by XXXX XXXX that they could not process our new loan because of our relationship with Unison. We have subsequently learned that very few lenders will refinance a property if the homeowner has taken an equity share loan with Unison. This includes all major lenders ( such as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc... ) and any bank affiliated with XXXX XXXX and XXXX XXXX. 

In response to our loan being rejected, Unison provided a list of their " approved lenders. '' Upon contacting the top three lenders on their list, all three flatly denied that they would lend to a property that has Unison on title. A Unison representative then setup a meeting with a lender he claimed loaned to Unison homeowners in the past. Not only did this lender state that they never lent to a Unison property in the past, they said they never would in the future, either.

Unison is aware that they misrepresent and downplay the very real fact that the vast majority of lenders will not work with homeowner that have taken an equity sharing loan with Unison. Unison employees have blatantly stated that the company should do a better job of being transparent and honest with potential customers about this fact, and that their contracts distort the truth. 

Unison 's legal department is aware of the problem and XXXX XXXX XXXX, Unison Corporate Counsel, has yet to remedy the situation. Unison 's CEO, XXXX XXXX XXXX, is also aware of the issue and has acknowledge knowing about this lack of truth in lending in both the marketing and promotional materials the company distributes, and it their contracts. Thus far XXXX XXXX has taken no corrective action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: NJ

Complaint narrative:
There is a charge off account on my credit report, which is unlawfully on my credit report. 

From XXXX XXXX, Account # XXXX A debt has been written off as a cancellation of debt. I have reached out to the creditor. The debt is not longer collectable. 
I have received a 1099c Cancellation of debt From XXXX XXXX. I have also file it with the IRS, which it includes as income now, it is no longer a debt. I am not longer liable for this account, nor the debt.

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 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On Friday XX/XX/XXXX Capital One acknowledge they could not release funds from my checking Account ending in XXXX. They alledged that check number ending with XXXX from my wife XXXX XXXX had appeared to be stolen. 

My wife nomally writes me check for the car payment I then place that check in one of my accounts. XXXX XXXX XXXX XXXX XXXX  ) had an attorney at XXXX XXXX XXXXXXXX XXXX  locked my account joint account my wife up with garnishment in violation of U S Garnishment. 

However, Capital One has not unlocked my account XXXX after XXXX XXXX XXXXXXXX cleared the alarm to the Banking system. As of today XX/XX/XXXX that alledge fraudulent check has been resloved by my wife and her bank XXXX XXXX  ). 

My complaint is Capital One has claimed that is a XXXX bank but after calling them they are closed on this Sunday and my funds are locked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
TitleMax continues to elude the FACT that my rights as a consumer were violated in my attempt to acquire funds for my personal, family, and household purposes. TitleMax did not explain or inform me of my right to rescind nor did they submit the separate required forms pursuant to 12 CFR 226.15.

3 ) If the required notice and material disclosures are not delivered, the right to rescind shall expire 3 years after the occurrence giving rise to the right of rescission, or upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act.

TitleMax also eludes the Fact that my rights as a consumer were violated by neglecting to omit 16 CFR 433.2 In connection with ANY sale or lease of GOODS or SERVICES to consumers, ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Which has nothing to do with the sale of my information per TitleMax response.

TitleMax also did not inform me of my vehicle was going to be repossessed. By their own admission, a letter was sent two days after letting me know when the vehicle would be sold which was not sent to my residence. No other information was received regarding the repossession of my vehicle.

TitleMax has not provided proof that all of the above was performed. As a natural person, I am the only one who can attest to the transaction.

TitleMax continues to elude the FACT that my rights as a consumer were violated pursuant to 15 USC 1692 d ( 1 ) Harassing or Abusive Practices 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person.

I have evidence of my communication with TitleMax and no mention of my account being delinquent was ever mentioned. I have the dates and times of each rep. and conversation regarding the receipt of my promissory note, TitleMax only responded to my promissory note after my first initial complaint through CFPB. I have evidence of their receipt of the document dated XX/XX/2023. I heard nothing from TitleMax until XX/XX/2023 which was to inform me of the intent to sell my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
I was approved for a loan of {$750.00}. I received an email about my loan and was told I would pay {$120.00} every payday. After my first payment of {$120.00} I was charged {$220.00} and have been paying {$220.00} every payday since then. If I wouldve known Id be paying that much each payday I wouldnt have agreed to the loan. Im paying close to {$460.00} a month and I cant afford to pay that.

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 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted Well 's Fargo ( my then bank ), and advised them that there was a fraudulent charge on my account that came through on my debit card in the amount of {$2400.00} From a company called XXXX XXXX I advised Well 's Fargo that I already contacted them and was told I had to contact my financial institution. I filed a fraud claim in which they shut down my card and gave me a temp credit for the charged amount. on XX/XX/XXXX, I missed a call from Wells Fargo and returned the call. At that time I was notified that the completed an investigation and determined that the charge was valid. I asked how did they make that determination? I was told based off the evidence sent over from the merchant XXXX XXXX XXXX. I then said well since I did not make this charge, what was the evidence and I would like a copy of the " evidence '' that was submitted. I was then told that they could not send me a copy of the evidence due to " security reason ''. I explained how that made no sense and I did not understand that as it is a fraud claim on MY account and they are saying it is valid. So I should be able to see the evidence they are claiming that proves I did a transaction that I did not do. She apologized and stated that credit would be reversed by the end of that month ( XXXX ). They did this on XX/XX/XXXX which placed my account in the negative for an amount of - {$2500.00}. After this they closed my account ending in XXXX on XX/XX/XXXX with a final balance of - {$880.00}. There was a credit that was placed on my account in the amount of {$1600.00} from XXXX XXXX XXXX. They then advised me that the account and the balance will be placed with XXXX XXXX. 

I have a serious problem and several complaints with this entire ordeal. Well 's Fargo with their deceptive and unscrupulous business practices per usual are at play here. First I want this matter investigated to find out why so may inconsistences with the final amount of my account. I also would still like to see the supposed evidence that they have that proves the charge was valid. I then would like to know if the charge was valid, why would they credit my account again in the amount of {$1600.00}. I also need to know the justification of closing my account and charging me a balance along with reporting to 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 2023-07-09 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: MI

Complaint narrative:
On XX/XX/2023, I noticed that I had fraudulent account opened in my name. I tried to dispute this with the company and they have failed to resolve this issue.

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 2023-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Mohela agreed to refund loan that was paid sent letter that would do in 2 parts refunded partial amount said waiting on discharge by dept of education who refuses to assist loan was part of class action suit settled in florida XX/XX/XXXX loan paid off XXXX XXXX XXXX school notified of suit and refund inXXXX partial credit recieved XX/XX/XXXXXXXX XXXX XXXX XXXX with Mohela now avoiding me have attorney but trying to resolve without filing suit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I requested a loan to consolidate debt on XX/XX/XXXX. I submitted all proof of XXXX and rental income that was requested by USAA. Also, some of my current debt was covered by loan protection/ XXXX and that debt shouldnt count against my DTI because it was covered under my loan protection plan I explained this to them. However, USAA has decided to not extend me a loan saying my obligations are too high XX/XX/XXXX. This is the reason I am requesting a loan consolidation to bring my DTI down and to make one payment. I have the income to afford the loan but I feel they are discriminating against me because I am a XXXX veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX anXXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received an email on XXXX  regarding a Checking account opening being declined that I did not open myself under US Bank. I called the bank asking if this was an issue regarding me current account and they stated it wasn't, and they felt the activity looked fraudulent and sent me to the fraud liaison to speak with them. After providing them more information, and giving them the application ID that was included in the email, they stated that the number did not look right, and that someone must have stole my SSN and tried to open another account under my name.

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 2023-07-09 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: FL

Complaint narrative:
Experian and XXXX have failed to remove the follow accounts from my account : XXXX XXXX  account # XXXX FXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX. Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B.

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 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Received text about transaction from my bank Wells Fargo. I contacted Wells Fargo they didnt send the text, l received new debit card.

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 2023-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
My mortgage company, New American Funding, debited a double payment this month. I think they double clicked a key and took out XXXX duplicate payments. I contacted them and they said i had to email my bank statement showing the double payment. They wouldn't remove the extra payment. They also wouldn't accept a screenshot of my online bank account showing the double payment. In the process of this mistake, my account was overdrawn by a XXXX dollars and I was charged a NSF fee of {$32.00}. They weren't interested in resolving this issue. So, I called my bank and put in a dispute. The bank refunded the extra payment and removed the NSF fee and started the investigation. This evidently XXXX off my mortgage company so they sent me an email with this response : This notification is to advise you that your bank recently rejected an automatic payment draft that you had authorized New American Funding to make on your behalf. A returned payment fee has been assessed to your account. 
They charged me " XXXX '' payments, not XXXX. Only XXXX of the payments was reversed, the one they mistakingly charged me and overdrew my account without my authorization. I have autopay so they can take out whatever they want. 
I'm very upset. I have never been late and have autopay so I'll never miss a payment. This company has done other sketchy things, causing me problems on my closing day and overcharging me. I can't afford to refinance right now and I feel I'm being intimidated by this company. I need help. I am calling my bank again, but don't know if they are going to take this payment out again and overdrawing my account, which they threatened to do on the XXXX. My next payment isn't due until XXXX. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: MA

Complaint narrative:
I have received a debt collection letter from ARstrat regarding a debt owed to XXXX XXXX in the amount of {$560.00}. This debt arises from XXXX XXXX XXXX associated with my XXXX XXXX exam in XXXX. Under my previous insurance provider, XXXX, I was eligible for XXXXXXXX XXXX XXXX per year. Unfortunately, the billing department at XXXX XXXX 's XXXX network used an incorrect medical billing code, causing complications. Despite making numerous calls with both the insurance company representative and myself, we were unable to find a resolution. I attempted to address the issue, but my calls went unanswered. Additionally, when I contacted XXXX XXXX, they directed me to reach out to the billing department at the hospital. This matter is simply a clerical error in billing that could be easily rectified. I kindly request your office 's assistance in resolving this matter. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 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: NC

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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