vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Credit Account XXXX XXXX and 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.

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 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NH

Complaint narrative:
To be clear to start, the issue is that I could not get anyone on the phone to understand that the material misrepresentation about payment posting on the website was something that needed to be addressed. Their process to resolve my misapplied payment makes no sense, but it did get fixed after speaking with the company. 

The Hyundai Finance website states that overpayments will be applied to principal once the current bill and any outstanding bills/fees are satisfied. It lists a slightly different posting order for payments under or over {$2500.00}, but both sections state that overpayment will be applied to principal directly. 

I made my first payment on XX/XX/XXXX, before the due date of XX/XX/XXXX. I called on XX/XX/XXXX to ask why the excess had been applied to my following bill instead of principal. The final response I got from my first call was that excess payment is in fact applied to principal and that that is what happened with my payment. 

This did not seem right as I could see that my following bill had been reduced by the extra amount, so it appeared it had not been applied to principal. I called back to verify and the second person I spoke with informed me of the actual policy ( that overpayments on sums under {$2500.00} are NOT applied to principal unless you make a payment then call back two days later to have it reversed and reapplied to principal. ) I tried to inform him that the only available place that I could find in my loan documents or the website stated a different posting method, ( one that is clearly more beneficial to the borrower 's interest paid, ) and he could only " apologize for the incomplete information on the website. '' That is not " incomplete information, '' that is a material misrepresentation that causes the borrower to pay more interest than the posting method stated on their website.

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 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LEXISNEXIS
State: NJ

Complaint narrative:
LexisNexis is a third party vendor whom before XX/XX/2018 was associated with reporting to XXXX bankruptcies on credit reports. I am not a customer or consumer of LexisNexis and do not wish to be contacted via email or disclose my personal information to them, I have no association with LexisNexis and they do not have the right to have my personal information social security number, etc. LexisNexis is reporting false information to XXXX which is against the Fair Credit Act. LexisNexis and XXXX dismissed their professional relationship on XX/XX/2018. My identity is verified through XXXX whom is a credit agency with the Credit Bureau. XXXX needs to delete the bankruptcy off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I attempted to create an account on Coinbase. To my surprise, I learned my email was already on file. I have zero recollection of opening account, but since anything is possible, I tried to reset the password. It said my URL wasn't recognized, nor was my phone number. My URL hasn't changed in 5 years, and I have had the same phone number for 20 years and the same email since XXXX. 

I attempted to reach the company through customer service, by phone, and by social media. Without account credentials, I can go no further. I ABSOLUTELY have never received an email asking me to verify a Coinbase account, but my brother, a XXXX XXXX, tells me it would be easy for someone to spoof my email to set up an account with their own credentials. 

My concern is fraud. My data was compromised in multiple incidents : XXXX, XXXX, and the XXXX XXXX. I didscovered someone was using/spoofing my phone, which I have FINALLY shut down. Now I want this account closed. Any help in resolving greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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:
This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. 
XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$20000.00}

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 2023-03-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I sent lvnv funding/resurgent asking them the verification & validation letter. I only received a verification letter. They didn't send me all the information that I requested. After looking at what they sent I realized the amounts is different on the last statement they sent from XXXX vs what lvnv has listed. The information don't match & is inaccurate. The last statement say new balance {$480.00} previous balance {$470.00} vs what they say is {$450.00}. I sent them a letter asking for all billing statements & the original contract with my signature. I didn't receive it only one statement. I will include the letter I sent along with what they sent me. The {$450.00} is also being reported on my credit. I want to know how they come up with this amount vs what the statement say. There is no proof of how they came up with this amount im sure that's a violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: CA

Complaint narrative:
XXXX XXXX card - A convenience check was fraudulently used on my account on XX/XX/XXXX in the amount of {$1500.00}. Also on XX/XX/XXXX XXXX XXXX master card fraudulently charged on my account {$60.00} as a transfer fee. 

My account did not have a balance at the time of these fraudulent charges. On XX/XX/XXXX I was notified I had a payment past due on the account. Prior to these fraudulent charges my balance was XXXX {$0.00}. XXXX XXXX charged me a late fee for not making a payment on these fraudulent charges in the amount of {$29.00}. On XX/XX/XXXX they also put a minimum charge of XXXX on my account for nothing. I have not used this credit card. 

XXXX XXXX has credited back the {$1500.00} but refuses to credit the balance transfer fee of {$60.00} and the late payment fee of {$29.00}, both of which are due to the fraudulent charge of {$1500.00} as well as a charge for XXXX XXXX  ( XXXX ), listed as a minimum charge, I don't know what this minimum charge is for. I have not used this credit card wince XXXX XXXX XXXXXXXX. 

XXXX airlines calls me and harrasses me more than 5 times every single day to tell me that I am past due and I need to make a payment for these fraudulent charges. 

I want XXXX airlines to credit back all of the charges made on my account that are associated with these fraudulent charges as well as the XXXX XXXX  they charged on my card as a minimum charge. After they have done that I want this account closed.

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 2023-03-30 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Company Name : XXXX, XXXX # XXXX Company Name : XXXXXXXX XXXX  XXXX XXXX. # XXXX Company NAme : XXXX XXXX. # XXXX Company Name : XXXX XXXXXXXX XXXX XXXX # XXXX COmpany NAme : XXXX XXXX XXXX  : # XXXX COmpany Name : XXXX XXXX XXXX # XXXX >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. Also states that a consumer reporting agency can not furnish an 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 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
During Covid 19 - entered into a Forebearance as to unsure of income due to being laid off. As you know the options were to pay what you could or not at all. XX/XX/XXXX, I paid {$1000.00} towards our {$2100.00} mortgage payment. I will be honest, I was completely knowledgeable about this process. Once I began to receive additional income I made 6 months of payments in the amount of {$2500.00} to cover the {$1100.00} balance owed for XXXX. XXXX of XXXX, LoanCare advised us that our monthly payment would increase to {$2300.00} which we have made monthly. Never, never have we missed one monthly payment to Loancare. Loancare mismanaged our Forebearance. Have been in contact both via telephone and letters. Just received yet another letter, probably have received XXXX til now. In a convoluted letter they continue to say we have missed payment and each time we make one it goes to the " one we missed '' This is not our first Mortgage, however LoanCare is the only establishment that is harrassing us for no reason. They have ruined our XXXX XXXX as well, reporting a 90 days late. We are in the process of re-locating to NC for work reasons, and with everything they have done to us, we will be looked at negatively with our credit. Our current home will be sold, which I know will resolve the issue however they need to be held accountable and fix our credit. Please help us with this matter, it is a hugh stress that my Husband and myself are dealing with. 
We will be relocating out of MA due to Husband work and our home will go on the Market XX/XX/XXXX. The negative hits on our credit needs to be cleared up so that we do not have any trouble purchasing again.

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 2023-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX support tech scammed me into XXXX money to them. In the amount of {$3400.00}. There were 9 different XXXX transactions from account taken. Money was withdrawn that I did have available. I only had around {$400.00} and BOA gave them {$3500.00}. I got a letter from that my claim was denied because I author transactions. Wouldnt there be a red flag that there was no money in my account to keep in withdrawn if. Please help to get my account credited. My like is on pause for money that I did have but owe! How is this possible? There has to be a better system.

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 2023-03-31 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
CB INDIGO/GF Date open : XX/XX/XXXX Balance updated : XX/XX/XXXX Original balance : {$300.00} Status : closed {$820.00} written off Completed investigation of FCRA dispute consumer disagrees. 

I would like to get this removed off my credit report Ive already paid the balance and the account has been closed. How do I get it removed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XXXX, Bank of America unilaterally closed one of our bank accounts. The reason they provided was that they could not verify one of the names on the account. I don't believe that BoA actually attempted to verify my son 's identity. Based on that action, we closed all of our BoA accounts to include credit card accounts with the exception of one LLC account. My complaint is that BoA kept one of the credit cards active after we had requested that it be closed. In early XXXX, while collecting information for our tax returns, I discovered that this credit card account was still open and had accumulated charges, late fees and interest in the amount of {$170.00}. My issue is not the dollar amount but the fact that BoA filed a negative credit report with all of the credit reporting bureaus. When I discovered this I filed a dispute with BoA and BoA ruled in our favor erased all outstanding charges. However, BoA has refused to write to the credit bureaus to let them know that they filed the negative credit report in error. In the meantime, my excellent credit rating has been reduced to good which negatively impacts me. I am requesting that the CFPB direct BoA to take all actions necessary to repair my credit which has been harmed by their erroneous action.

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NC

Complaint narrative:
On XX/XX/2023 I received in the mail a prepaid XXXX from XXXX. I did Not and I repeat did NOT request or open an account. This is a fraudulent account that needs to be closed as soon as possible. When I received this card I tried calling the toll free number for XXXX, but I did not get any response. Let me repeat, this account IS fraudulent and should be closed.

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 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armstrong and Associates, Inc
State: AL

Complaint narrative:
I received a letter from Armstrong and Associates, XXXX XXXX XXXX, XXXX AL, XXXX, ( XXXX ) XXXX on XX/XX/2023, stating that I owed {$40.00} in debt owed to XXXX XXXX XXXX. I spoke with the XXXX department XXXX XXXX XXXX XXXX ( XXXX ) XXXX at XXXX XXXX  Central Time on XX/XX/2023, and they had no record of any outstanding balance or debt being submitted from any account associated with me or my immediate family. I called Armstrong and Associates on XX/XX/2023 at approximately XXXX XXXX XXXX and spoke with XXXX XXXX to dispute the claim. She stated that she would verify with XXXX XXXX XXXX and get back to me. I requested she share the name of a contact at XXXX XXXX XXXX who could verify their claim if the debt was not dismissed. 
I received a second letter attempting to collect on XX/XX/2023 that claimed to enclose verification of the account and asked that I call a different number than before ( XXXX ) XXXX. However, nothing that was included could be verified with XXXX XXXX XXXX. I called the number requested and they insisted that XXXX XXXX XXXX submitted the debt to them, and they have re-verified it despite the fact that no one at XXXX XXXX XXXX will back their claim when I call. They demanded that I keep calling XXXX XXXX XXXX and re-dispute the claim with Armstrong and Associates. When I tried to get to the disputes department. They put me on hold for an extended period of time, then when someone finally picked up, she identified herself as XXXX, and told me she couldn't help me. 
I believe that Armstrong and Associates is deliberately and fraudulently making this process unduly difficult in order to create enough burden that I will pay a debt that the original provider says I do not owe to them.

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 2023-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

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 2023-03-30 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: NC

Complaint narrative:
There are account 's and inquirys on my account that I did not authorize and there are also collections and late payments being reported that are inaccurate I have contacted XXXX transunion and XXXX to dispute these items and give them my updated address and they hang up on me

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 2023-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX Wells Fargo allowed a man to wire transfer XXXX out of my checking account unauthorized. The account was my own, and I was the only authorized user on the account. I have started four investigations with Wells Fargo and they have lost claim numbers and did not finalize investigations. I addressed Wells Fargo how a wire was done without an identification, and I was informed a pin was used and all they needed was my account number. Secondly,, I asked Wells Fargo how a large amount of XXXX was transferred at one time because that exceeds the daily limit transfer. The man who stole my money, and forged my signature, was my ex husband therefore, I assume, Wells Fargo is not taking this matter seriously. I have contacted the FBI and the bank in which he deposited my money into. His name is on my statement showing the wire transfer into his bank account which was a totally different bank. This is all illegal including the banks conduct. The bank refuses to put a hold on the money and will do nothing to assist me.

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