vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: UT

Complaint narrative:
I filed for Bankruptcy a little over 3 years ago. I was having medical issues and had accumulated a stack of medical bills and had gotten behind on my mortgage. I was following my bankruptcy payments and making payments until I got sick again I got behind on both my Bankruptcy payments and my Mortgage again but was able to catch back up. I had a habit of rounding my payments up and the extra money went into a partial payment ( unapplied ) account. I incurred fees due to falling behind on my Mortgage and sent extra money to cover them, however this extra money kept getting put in the unapplied account and my statements still showed a small past due amount. 
when I received my XXXX statement I noticed that I had built up this amount quite a bit and calculated the difference for what I needed I submitted my payment with a note to combine my payment with the unapplied amount and bring my account current. The Mortgage company put it all in the unapplied funds account instead. My XXXX statement showed {$910.00} past due and {$910.00} in my unapplied account. more than enough to cover the payment. I made my regular payment and again asked the Mortgage company to apply the unapplied monies to my account. Each statement even includes a note that states " Once we receive funds equal to a full monthly payment we will apply those funds to your mortgage. '' They continued to ignore my request to do this. My XXXX statement showed {$910.00} past due and now {$910.00} an increase of {$4.00} from my rounded up payment. 
In XXXX my statement showed that they started adding fees to my account and they took {$290.00} from my unapplied account to put towards these fees. including an outrages {$200.00} Late fee. My payment was never late only diverted into the unapplied account by the Mortgage company so no late fees should have be charged, they should have followed their own policy as stated on each statement and as requested by me and applied the amount to my account. The other fees are not even explained and on my XXXX statement another {$500.00} was added. 
They have misused the funds I have sent them. Ignored my requests and are now bombarding me with unreasonable fees. I also received a letter stating that they did not receive my XXXX payment even though it shows they did on my XXXX statement. It was processed on XX/XX/21.

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 2022-02-24 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: NY

Complaint narrative:
I, XXXX XXXX, is submitting this dispute on my own behalf and no third party is involved. NOTE : THIS IS NOT A REQUEST FOR AN INVESTIGATION OR REINVESTIGATION. It is my belief that Experian violated me under the Fair Credit Reporting Act. I believe Experian did not actually perform an investigation of my disputes. Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding a description of the procedure used to determine the accuracy and completeness of information all every account, inquiry and address Experian alleged they investigated for investigation # XXXX that you made available on your website XX/XX/2022. I have attached a copy of the investigation results in this complaint. Pursuant to 15 USC 1681i ( a ) ( 7 ), Experian MUST provide me with the descriptions of the investigation of every account you alleged you have investigated within 15 days of my request. AGAIN, this complaint is NOT a request for an investigation or reinvestigation. I ONLY need the description of the procedure used by Experian to determine the accuracy and completeness of the account, inquiries and address in investigation # 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 2022-02-24 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2022-02-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: PA

Complaint narrative:
I had disputed a collection account from XXXX with TransUnion in XX/XX/XXXX. Transunion could not verify the account and deleted it from my report. Transunion then reinserted the collection without a written notice within 5 business days which is required by the FCRA. I sent Transunion a reinsertion letter on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything from 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 2022-02-24 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: CA

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

15 U.S.C 1681 Section 602 A. States I have the rights privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without 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 explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: NM

Complaint narrative:
They called me on XX/XX/2021 and I told them not to contact me. 

I ended up waiting online for a representative because a representative refused to put me on DNC list. 

I was contacted on XX/XX/XXXX and told the woman who contacted me that I was on the do not call list. 

Today on XX/XX/XXXX, I was called again. I was hung up on twice until the last woman I talked to claimed she placed me on the do not call list.

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 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: GA

Complaint narrative:
I send a dispute letter to Lexis Nexis to remove addresses, phone numbers they still didn't remove it off my report, they remove the bankruptcy but have all the other incorrect informations still.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
I purchased a motorcycle from Harley Davidson XX/XX/XXXX. First payment due XX/XX/XXXX in the amount of XXXX. I made 4 payments totaling XXXX before the due date which is the XXXX of every month. The months XXXX and XXXX of XXXX no payments were due because of the overage on the account balance. XXXX XXXX my motorcycle was stolen. I alerted the insurance company in which they paid me XXXX which was applied to the account on XX/XX/XXXX well before the account was 30 days late. Harley Davidson Financial reported this account late from XX/XX/XXXX up until the latest reporting of XX/XX/XXXX. This account was paid years in advance and finally paid completely off XX/XX/XXXX and closed that month. I never made a late payment on this account. I've tried getting this account corrected with the creditor to no avail. I then disputed this account with the credit bureaus XXXX, XXXX, and XXXX, they did not remove the negative reporting despite receiving proof of payment received before the due date. They are also allowing the creditor to report the account 120 days late in the year XXXX. This account is paid in full and closed since XXXX of XXXX. This is the only account in bad standing and it destroying my chances of owning a home due to the recent reporting negative activity despite it being paid in full and closed. This company has a track record of this behavior and something has to be done to help consumers when we've tried every avenue to get errors being reported to our file corrected. I'm asking that all credit reporting agencies remove the negative remarks and late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
XX/XX/XXXX Bank of America Today my debit card was denied for the third time since I started my trip from NH to Florida, which started in XXXX XXXX. The first encounter was in XXXX. and after contacting them they understood my situation and told me that they would put a note on file. A simple understanding. Then in western part of Florida it happened to my wife and I again, called them and they unlocked the account. Today my wife was declined for a gallon of milk, and of course when we returned to the rv site my wife could not log in to our account. She also tried several times to call, but the system did not see the account. I tried and after several attempts got through there very unfriendly automated system got through to a real person. I might add very nice and understanding, well of course. Well after some time with her she saw the transaction and other issues for the day. She said that I would need to speak to another department to resolve it. I was transferred, and that took some time and went through the whole thing again, once completed, I was told the account was closed due to a corporate decision. I was shocked, 20 plus years no reason nor any advanced notice. Now I wanted to know about the funds I had between savings and checking which I might add a substantial amount and everything I have. Being on vacation with nothing is no way to treat a long-time customer. I was told to me that he would put in request to release funds to another location of my choice within 1 to 5 business days. Now what pan handle!

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 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had opened a Citi Bank checking account on XX/XX/XXXX as part of promotional email received to get XXXX dollar bonus. As per the offer terms i had to deposit XXXX dollars within 20 days and maintain that balance for 60 days from deposit date to meet the eligibility in order to get XXXX bonus. 
1 ) After i funded my account on XX/XX/XXXX with XXXX dollars, i confirmed with the Citi live chat rep on XX/XX/XXXX to find out till which date i have to maintain the balance to meet the eligibility requirements and they confirmed me XX/XX/XXXX ( 60 days from the deposit date, which is same as per my promotion email ) 2 ) I perfectly maintained the balance till XX/XX/XXXX, but, before withdrawing the amount back from my account, again on XX/XX/XXXX also I had a chat with Citi agents and double confirmed if i met the eligibility already to get the bonus, they confirmed i had already met the requirements and no need to maintain the balance anymore, after that only i had withdrawn the amount on XX/XX/XXXX. 
3 ) Also, till date I confirmed with multiple reps via phone calls and online chats, they confirmed me that i met the promotion requirements and asked me to wait till XX/XX/XXXX to get the bonus credit, but credit has not posted on my account, so far 4 dispute cases have been raised but still i have not received the bonus. Whenever i talk to or chat with Citi agents, they are keep on telling i met the eligibility requirements of the promotion and opening multiple dispute cases and it has been totally frustrating with no progress on getting my bonus.

4 ) On one of the dispute cases, they mentioned i did not meet the eligibility for the promotion as i did not maintain the balance which is not at all fair, because i always confirmed the eligibility with their agents before i had withdrawn the amount from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I received a letter in the mail dated XX/XX/22 from Wakefield & Associates. The letter states that Wakefield & Associates is a debt collector. The creditor is XXXX XXXX XXXX XXXX. The total balance is {$680.00}. The discount balance is {$470.00}. Wakefield & Associates website is chat.wakeassoc.com. Address : - XXXX XXXX XXXX XXXX, TN XXXX. 
- XXXX XXXX XXXX XXXX, TN XXXX. 
Phone numbers : - ( XXXX ) XXXX - XXXX. 
- ( XXXX ) XXXX - XXXX. 
- ( XXXX ) XXXX - XXXX From the letter, it looks like they only accept credit card payments ( XXXX, XXXX, XXXX XXXX ). 
I called and was told that the bill was for unpaid medical. They told me it is a HIPAA violation to tell me where this bill is from ( which doctor billed ) and told me that I have to mail Wakefield with a request for itemization to dispute the bill. I called the hospital ( I received care from ) directly and was told that I have no outstanding bills and that they do not use Wakefield and Associates for collections. I called Wakefield back and gave the person who picked up the account number. He was asking me if I was different people ( he went through a few names ). I asked him why one account number would have more than one name. He said that there are many account holders. I hung up. I am almost certain that this is a scam. I search on XXXX and found similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
i had a credit card with XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX. they gave me a balance of {$300.00} in XXXX of 2020 i paid the balance in full and closed the account. 
now a company by the name of spring oaks capital is trying to collect for {$470.00} indigo has tacked on illegally additional amounts after the card was close and sold it to the above company. i believe this to be fraud on both parts. 

iXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OR XXXX Spring Oaks Capital XXXX XXXX  XXXX, XXXX XXXX XXXX VA, XXXX Acct # XXXX reference # XXXX this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
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 AND INQUIRIES 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 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
My cash app account was locked. I was sent this after only changing my debit card information : We temporarily locked your account to protect you from possible fraudulent activity, and we are reviewing it now. 

You can still view your balance and investments, but you won't be able to send or spend money. 

You will receive a notification within 24-48 hours confirming we completed our investigation and unlocked your account. You will then be able to log in and resume using your account. 



My direct deposit goes to this account and I have money on it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX am writing this complaint today about my Wells Fargo account that is reporting inaccurate information across all 3 credit bureaus. The account is posting as an delinquent account however, on my account all payments on this account since I had it from the beginning of XXXX have been on time with no late payments however, there is a 30 day late payment reporting for XX/XX/XXXX that is incorrectly reporting. I have never missed a payment o this card and I need this fixed as I am going for a mortgage loan and this incorrect information on my report is severely hurting my score where I can not get approved for my dream home

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 2022-02-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I ATTENDED XXXX XXXX XXXX IN XXXX XXXX THE SCHOOL WAS NOT ACREDITED AND THE SCHOOL WAS A SCAM AND TRICKED STUDENTS TO TAKE THESE LOANS OUT PUTTING THEM IN DEBT FOR YEARS TO COME TAKEING THERE TAXES AND GARNISHING WAGES .IN XXXX A LAWSUIT HAS BEEN IN PLACE

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 2022-02-24 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: CA

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

15 U.S.C 1681 Section 602 A. States I have the rights privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2022-02-24 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: CA

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

15 U.S.C 1681 Section 602 A. States I have the rights privacy.

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

Company response to consumer: Closed with explanation