vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am writing to express my deep dissatisfaction with the mortgage lending process I recently experienced with Bank of America which my significant other and I initially started at the beginning of XXXX. The entire process was marked by a lack of transparency, repeated reassurances that were ultimately misleading, and significant delays that caused considerable stress and inconvenience. 

Throughout the application process, my partner and I were continuously reassured by your representatives that everything was proceeding smoothly. However, these reassurances were not reflective of the reality of the situation. Despite being told multiple times that our loan was on track, the closing date was extended three times at the beginning of XXXX. Each extension was presented to us as a minor issue with the HOA, with no clear explanation of the underlying causes or the potential impact on our ability to secure the loan. 

After enduring this prolonged and unclear process, we were ultimately informed that our loan application was declined due to the XXXX. This outcome was both shocking and disheartening, particularly after being led to believe for weeks that our application was progressing without issues. 

This lack of transparency and poor communication throughout the process is unacceptable, especially for a major financial institution like Bank of America. We expected a level of professionalism and clarity that was simply not met. The experience has caused us significant frustration and disrupted our plans, as we are now forced to go through this process again, but with a different lender. 

I was told the appraisal fee would not be reimbursed. We are now in a position where we are forced to pay for multiple appraisals because the new lender will not accept the appraisal from BOA.

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 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct XXXX XXXX XXXX has violated my rights. 

Act 15 USC 1681 section 602 A. States I have the right to privacy.

Act 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Act 15 USC 1666 B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Never recieved a call, letter or notice of any kind about XXXX  debt, contacted the company after seeing the collection on my credit report, company disclosed they have my insurance on file and I will not need to pay it but have yet to remove the debt from my file even though active insurance is on file that covers the complete debt, also was told the debt could only be paid in Full and they do not do payments which I am unable to do as a college student who has not had a job in over a year to afford to pay off the debt even though I was told I do not need to since my insurance covers it and have contacted my insurance and they do cover it but the company has yet to accept any payment and has no removed the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX O - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has agree to delete both accounts from my consumer profile with the response reported by the CFPB they stated that capital one trade line is to be deleted due to inaccurate reporting. These accounts are still not reporting accurately on my consumer reports please remove both accounts from all my consumer reports that you do not have my permission.I will pursue legal matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE 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
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
In according with FCRA XXXX  account number XXXX XXXX bankruptcy XXXX referencenumberXXXX. 15 USC1581 section 601A I do not any verbal or written authorized to display my on my credit report personal information published at any source data information without my permission please remove this items from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
In according with FCRA XXXX  account number XXXX progressive bankruptcy XXXX referencenumberXXXX. 15 USC1581 section 601A I do not any verbal or written authorized to display my on my credit report personal information published at any source data information without my permission please remove this items from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Lending Services LLC
State: VA

Complaint narrative:
I'm unaware of this debt. I didn't have an opportunity to dispute this information. if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have contacted the company plenty of times, and they said if I continue to reach out, the removal time will be reset. I have written XXXX on the removal of the XXXX Auto Loan with account # XXXX open on XX/XX/2015 to be removed from the credit report, requesting an investigation in this matter and deleting or correcting the disputed information as soon as possible. 
9-506. EFFECT OF ERRORS OR OMISSIONS 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL.

You must provide me with copies of the legal notices of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this notification, the alleged claim can be considered a violation of FDCPA.

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 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX has a promotion that states " Pay Today : {$250.00} '' It then states " Card statement credit : {$250.00} '' and then underneath " Total after statement credit : {$2.00} ''. However, after speaking to XXXX different people through CITI card I was finally told I could not purchase the ticket today. XXXX of them told me I would have to wait XXXX hours for a temporary credit card number emailed to me and XXXX of the people said I should have seen a link on the online application page for the temp number after I was approved. No one seems to know when this temporary card number is supposed to be given. I did not see a temporary link for a card number once approved on the website and it was not identified this would be the only time I could get a temp card number to purchase a ticket. They then said I must wait XXXX business days for the physical card to purchase the ticket. This does not align with the promotion of " Pay Today : {$250.00} '' since I can't buy a ticket with that credit card that same day. I wouldn't have applied for the card if I knew they wouldn't allow me to purchase the ticket TODAY to get the statement credit later. This now negatively affects my XXXX XXXX by opening a credit card I don't want and is false advertising. I would like to press any legal action against CITI Bank so they do not create false advertising and manipulate people in the future. The representative I spoke to on the phone who confirmed the promotion was wrong and I couldn't purchase a ticket " today '' is ID # XXXX. A recording of the conversation can be requested for XXXX at XXXX XXXX. This promotion is on XXXX XXXX website when purchasing XXXX of their airfare tickets. 

Picture show at the bottom the promotion I explain above

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute with Transunion a couple months ago and they have not given me the investigation results or any correspondence in response to my dispute. The dispute was about a XXXX XXXX account that I believe was reporting incorrectly. I also believe that the information being reported is unverifiable as I can not verify the balance. I requested that during their investigation that they request the furnisher proof of the reported balance and that it should be sent to me in order for me to verify this information. Please see 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please see attached dispute, Investigative Consumer Report Irregularities and Discrepancies in Violation of the Fair Credit Reporting Act | XXXX XXXX XXXX XXXX XXXX | Report No. : XXXX Dated XX/XX/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 non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After reviewing my credit profile and i was shocked to see unauthorized fraudulent inquiries on my profile this is hurting please remove these fraudulent inquiries as soon as possible XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my credit profile and i was shocked to see unauthorized fraudulent inquiries on my profile this is hurting please remove these fraudulent inquiries as soon as possible XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date 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 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a mailed notice from Wells Fargo stating that they would close my small business credit card account if I didn't provide my most recently filed tax forms. I've had this credit card for many years. I've never had to provide anything like this for any of my credit cards. I called customer service and they couldn't provide anymore info then what was listed on the notice. I went into a branch and spoke with a small business banker and they didn't understand the request either. The banker also called support and they said the same thing that I needed to fax them my most recent tax return. I work freelance which is listed in the name of my account so my tax forms are under my ssn. Also, I'm married and file jointly with my husband. Neither of us are comfortable giving the bank our full tax return. I've had my small business checking and savings accounts for as long as the credit card. And I've been with Wells Fargo for decades. This is just a ridiculous request and even more ridiculous that no one at Wells Fargo can tell me what the problem actually is. I hope CFPB can help clear this up.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope this message finds you well. I am writing to formally request the removal of several unauthorized items from my credit report. Upon reviewing my report, I identified multiple entries that I do not recognize or authorize. These inaccuracies are causing me significant concern and have negatively affected my credit standing.

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