vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: MI

Complaint narrative:
Customer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXXXXXX XXXX XXXX, MI and XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : Misappropriation of Settlement Funds by Global Lending Services LLC and XXXX debited my personal XXXX XXXX XXXXXXXX XXXX XXXX checking account without my permission did not applied monies to car loan principle/balance. 

I, XXXX XXXX XXXX XX/XX/XXXX received Settlement Offer by XXXX XXXX XXXX {$15000.00} accepted by Global Lending Services LLC Settlement agreement on XX/XX/XXXX. 

Global Lending Services LLC unauthorized ( did not have permission ) debited my, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX checking account removing {$12.00}, XXXX of monies that I received as a settlement offer from XXXX XXXX XXXX for the Totalled Loss car, but did not applied monies to principle/balance. 

Global Lending Services LLC did not applied unauthroized debited monies of {$12.00}, XXXX to principle balance owed on Totalled Loss Car, neither did not applied to payment balance either. 

Global Lending Services LLC did not applied GAP and Warranty coverage is bundled into loan amount at dealership signing of GLS paperwork signing. 

Global Lending Services LLC and XXXX XXXX XXXX refused to release this totalled Car I did request to be towed to my personal residence at XXXX XXXX XXXX XXXX MI XXXX. Global Lending Services LLC said No, told me that after the XXXX Adjuster goes to do his investigation and determines the car totalled loss whatever the SELLING PRICE or JUNK PARTS will be deducted at the end from the balance owed on the totaled car loss balance this never happened either. 

I need your help with justice, I am being threatened with Wage garnishment by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX for balance of Totalled Loss Car {$21.00}, XXXX, Please help me clear this matter up my credit is being affected by these oversights. I owe ZERO balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX I initiated a transfer of {$400.00} from my bank account ( Bank of America XXXX to a friend 's account ( XXXX Bank XXXX. 
XX/XX/2021 - Later in the day, he told me that he didn't receive the money because he had closed his account. 
XX/XX/2021 - My friend contacted XXXX bank and they informed that the transaction can not be processed and that I should be contacting Bank of America instead. 
XX/XX/2021 - I filed my initial claim at Bank of America after telling them my problem over phone and they asked me to wait for 45 days. I didn't receive any formal email from them, just my claim number. 
XX/XX/2021 - I contacted Bank of America again and asked about my claim to which they said that my request has been denied. I told them that money has been transferred from my account and it should come back to me or my friend and requested them to file the claim again. 
XX/XX/2021 - A second claim was filed. 
XX/XX/2021 - I visited my nearest Bank of America Branch and spoke to an associate regarding my problem and they asked me to wait for a period of XXXX days as a committee would sit and look into the issue. 
XX/XX/2021 - Till date, I haven't received any information from Bank of America, nor has my friend received from XXXX Bank Please help me recover the lost amount.

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 2022-04-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent various letters to have Equifax correct the wrong information that they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: 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 # 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 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 2022-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
The company refused to get my payment back from the insurance company that owe me a refund because I never needed flood insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My complaint is in regards to a check that was issued that was fraudulently cashed twice. 

I issued a check in the amount of {$97.00} dated XX/XX/2021 to my gardener, XXXX XXXX. This check was cashed on XX/XX/2021. It is check # XXXX. 

Then, a withdrawal was posted to my account on XX/XX/2021 for {$970.00}. The check # was also # XXXX. The date was changed to XX/XX/2021. The payee was written as XXXX XXXX. I do not know who this individual is. The signature was altered. 

It is very evident that this is fraudulent activity & I am unsure of why CitiBank is taking so long to resolve this issue. CitiBank made the mistake here by allowing a check to be cashed twice with different sums, different signatures, & different payees. Even though it is Citi Bank 's fault, they forced me to open a new bank account. If the mistake was made by the bank, why do I have to make a new account? I did it but it caused me great headache because I had to change the account with the services that I have been auto-paying. As of today, I have sent a few emails to the bank but they do not respond at all & they have not refunded the sum that they have mistakenly cashed. 

I am asking for your involvement please in order to settle this case.

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 2022-04-18 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Accounts XXXX # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX 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 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: OK

Complaint narrative:
Please refer to the attachments. The first attachment will show an intercepted tax refund lien by XXXXXX/XX/XXXX, which intercepted my XXXX tax refund to pay their debt in full. The amount applied was {$380.00}, which paid the debt in full in XXXX XXXX. However, BullCity acct : XXXX, through their client XXXX XXXX is currently reporting the collection on my XXXX Credit Report as a balance owed ( Please refer to the attached XXXX Screen shot of my credit report. Bull City has reported the collection in XXXX, XXXX, and now in XX/XX/XXXX. Additionally, I have contacted XXXX XXXX and XXXX disputing the inaccurate paid debt, which neither has taken action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: AL

Complaint narrative:
CRA taking longer than XXXX days to complete dispute. They are not in compliance with the FCRA & FCBA laws.

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 2022-04-18 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: PA

Complaint narrative:
I have found that the reporting agencies Experian XXXX and XXXX or in violation of my consumer rights according to 15 u.s.c. 1681 d

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information.

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 2022-04-18 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2022-04-18 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: TN

Complaint narrative:
15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX, Experian, XXXX XXXX are reporting incorrect information they have allowed XXXX XXXX XXXX. XXXX XXXX XXXX. I have asked both companies for validation of these debts with the original contract and they have refused to provide the original contract proving I owe this 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 explanation
Consumer complaint received 2022-04-18 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: CO

Complaint narrative:
Trans Union credit report have false information. Their credit information is never updated properly nor is the information dated correctly. Trans Union has been destroying my life for over 25 years with false information, names on my credit report that I have never used, accounts on my credit report that are not current or up-to-date in status or information. Falsely stating that I am behind or missed payments. For the last several weeks trying to contact someone in their customer service office to question them about why my information is incorrect and false information on my report I have received no help. I am seeking {$1.00} million restitution for being denied credit that I should have been approved for including home. I am being denied these things because I am XXXX and because I am XXXX. I know this because Trans Union representatives who just take messages to transfer to upper management have previously stated that their company goes through social media post. My credit score listed with XXXX is a XXXX My credit report listed with XXXX is listed at XXXX. As XX/XX/2022 my Credit report with trans union states a XXXX. Transunion is not only a XXXX entity, it is also a discriminatory entity that works with XXXX XXXX it is also listed in a federal lawsuit with XXXX XXXX in discriminating against XXXX and their credit reports received when trying to get credit for housing.

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 2022-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
I submitted a complaint back on XX/XX/XXXX ( XXXX ). Here is a summary of the issue. 

I was incorrectly charged in the amount of {$2300.00} for force-placed homeowners insurance when I already an insurance policy, for which I have provided copies of policy both via emails to XXXX and attachments on the company website. 

The company responded by acknowledging that there was an incorrectly forced policy for coverage placed on subject property XXXX XXXX XXXX XXXX XXXX, CA XXXX. The loan was charged with a premium of {$2300.00} for the forced placed coverage on XX/XX/XXXX. They have refunded {$1800.00} and said that they will refund the additional {$480.00} that was not refunded on XX/XX/XXXX. They stated on XX/XX/XXXX that they were in the process of refunding the {$480.00} and should be completed within the next 7 to 10 days. 

To date, XX/XX/XXXX, I have not received the refund.

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 2022-04-18 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
a " XXXX XXXX '' reimbursement check was issued to my business account as " XXXX XXXX XXXXXXXX XXXX XXXX '' was depositted by WellsFargo Bank XXXX XXXXXXXX XXXX XXXX under the account name of " XXXX XXXX ''. 
I brought this to the attention of the bank 's manager, specifically mentioned that the bank has feduciary duties to make sure that business account checks be depositted to their respectively correct XXXX account and the bank has breached this duty. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-18 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: 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 # 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 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 2022-04-18 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: 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 # 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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I reached out to XXXX XX/XX/22 to have additional personal information remove from my report the rep I spoke to confirmed the info i request to have thats correct to stay on my report. She verified it would take 24 hours to be removed. I called XXXX again today XX/XX/22 to inform them I still have info that was verified to be taken off its still on my report. They advised the name is linked to an open accounts. It is listed as also known as. I informed XXXX I do not go by an alias name nor did I ever go by another name previously. The accounts they are speaking of has collection on it. It can not be in collection and open at the same time. The address XXXX refuse to remove I never live there and I told them I never live there before. They said that that address is linked to an open account and I advised them that open account was on my report years ago and this address is just populated on my account. I advised them that I have the paperwork with the address that should be on my report from that company available to send to them but they said that may not help and I have to reach out to the company. I explained to XXXX that I spoke to the company and they sent me information to address thats on the account and it is not the XXXX address thats reporting on my consumer report. I informed XXXX three times that they are violating my consumer right 15 USC 1681B and they did not seem to care because they say they are following their policy and I explained to XXXX that federal law Supersedes their policy.

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