vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was charged interest incorrectly for purchases made using a Wells Fargo Retail Services card. I am not going to name the store because this isn't their fault. 

I made a purchase on XX/XX/XXXX which qualified for 0 % interest for 36 months. 
I made payments as expected until XX/XX/XXXX when I made an additional purchase in the amount of {$990.00} which did not qualify for 0 % financing. In order to avoid paying interest I made a payment for the same amount of {$990.00} on XX/XX/XXXX. I had already made a payment during that billing cycle on XX/XX/XXXX to cover the minimum payment so this payment was in excess of any minimum. 

According to the CARD act of XXXX payments in excess of of the minimum must be applied to the highest interest debt first. 
According to Wells Fargo their policy is if the statement cycle hasn't closed they apply the payment to the balance from the previous statement. So they applied my payment to the 0 % balance paying it off and began charging me interest on the account at 28.99 %. Regardless of statement cycle the payment should have been allocated to the debt which is being charged at the highest interest rate. In this case the newest purchase which would receive the cards standard rate of 28.99 %, not be applied to the balance not currently being charged interest. This was not during the last two months of the promotional balance. The promotional balance did not expire until XX/XX/XXXX. 

I contacted Wells Fargo on XX/XX/XXXX to request a correction, and they indicated they would " see what they can do ''. However, this policy is a clear violation of the intent and protections of the CARD act. I am submitting this complaint to prevent myself and others from being violated like this.

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 2023-05-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my dispute results from XXXX via email on XX/XX/2023. My initial dispute was on XX/XX/2023. XXXX did not provide their method of verification. Who did you speak with to verify the accounts? What phone number did you use to contact them? What date did you speak with them? What address did you use to contact the companies? Provide the disclosures between me and the companies of me giving them permission to report my account information on my credit report. Reporting my account information without my consent is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: SC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I received a bunch of alerts from three ( 3 ) of my Credit Monitor companies about there were two ( 2 ) new hard inquires added to my credit report with the attempt to open a new loan or credit. These alerts started incoming to my inbox on XX/XX/2023. 
After reviewed the information contained on the alerts, I found the information in regards as follow : Two ( 2 ) unsolicited credit check were performed for different financial institutions : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX ( financial ), XXXX XXXX, XXXXI already contacted XXXX XXXX XXXX  XXXX and they deny been doing any inquire on my name. 
XXXXI called XXXX XXXX, but the number on credit inquire is to telemarketing. 

I want to prevent someone open a fraudulent credit/loan account on my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

XXXX XXXX is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized JURAT and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation. 

Their response was that the was not processed and rejected and it takes 3-5 days to reflect. It reflected after 4 and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.

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 2023-05-16 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: KLS Financial Services, Inc
State: NY

Complaint narrative:
Have on credit report that i owe them money-which i do not, nor have ever done business with them or any affiliates 2 charges from KLS/XXXX and a charge off by XXXX all inaccurate and don't owe them any money-needs to be removed from all credit reporting agency 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union failed to investigate my dispute properly pertaining to Inaccuracy that XXXX XXXX XXXX XXXX have been reporting and the validation request that I submitted. Trans Union Verified my disputed information as Accurate. How do you Verify a dispute that requests for Validation? 
XXXX XXXX XXXX failed to correct the inaccuracy they have been reporting. They report to Trans Union only and not to XXXX and XXXX. How can that be accurate information for starters? XXXX XXXX XXXX XXXX refuses to validate my dispute upon request. That is clear a violation of my consumer rights. Listed in my attachment shows proof that XXXX XXXX XXXX failed to correct the inaccuracy that they have been reporting to my credit report and refuse to validate my dispute requests.

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 2023-05-16 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: CA

Complaint narrative:
I did not authorize or benefit from any of the listed inquires. I also noticed 4 fraudulent accounts reporting to my consumer report. These accounts are reporting fraudulently to my consumer report because I the consumer gave no written instruction to any company to report anything onto my consumer report. This is a direct violation under title 15 U.S.Code 1681b ( a ) ( 2 ) and need to be blocked and deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: CA

Complaint narrative:
XXXX XX/XX/2023 : Contacted HOA to inquire about a disclosure on my closing statement that says HOA dues are included the escrow account but the HOA 's official portal says I need to make the payment myself. HOA responded by inquiring with the lender if HOA is included in the mortgage payment and how they process that payment. 

XXXX XX/XX/2023 : Contacted the mortgage company copy-pasting the section that says HOA dues are included in the escrow account on my final closing statement. Company refutes saying HOA is not a part of monthly payment even though there is a section clearly saying it will go into my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 explanation
Consumer complaint received 2023-05-16 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. National Credit Systems Inc : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: CA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$7500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: CA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$7500.00}.

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 2023-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I started an Investigation In XX/XX/2023 with Bank of America. They had reported a 30 days late on my three bureaus report ( XXXX, XXXX XXXX and XXXX ) for the month of XX/XX/2023. After speaking to a representative they stated that they had made an error and they would start an internal investigation. They also stated that it would take 30 business days for them to complete their investigation. This month ( XXXX ) I ran my reports and they were able to reverse the 30 day late remark for the month of XXXX but only on XXXX. I called them back today to find out what had happened and why they were still reporting the 30 days late on XXXX XXXX and XXXX. I spoke to a manager today because this is the third attempt and time I have called for answers and to complain. Today, the manager stated there was no error and the reason why XXXX might show no late payment history is because they don't report to XXXX. I called XXXX directly, and challenged this because they have always reported to XXXX, and this made no sense. I have a copy of my XXXX report from XX/XX/2023 with a late payment, and I have XXXX 's report with no late payments. There's clearly an internal miscommunication and reporting issue within Bank of America 's end. I am currently under contract with a mortgage company to close on a property this month and because of this discrepancy there's a big possibility I might not close and lose my deposit, this is causing a lot of distress for both my family and I. Can you please help to rectify this error on their part, thanks!

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 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX PenFed Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX RE : Adverse Action Dear PenFed Credit Union , I, the consumer and natural person, was denied credit by PenFed Credit Union when I applied for a auto loan and checking account. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by PenFed Credit Union due to the response I received. 
PenFed Credit Union is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PenFed Credit Union. 
If PenFed Credit Union fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make PenFed Credit Union criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX XXXX XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to you in regards to a recent notification I received concerning new accounts appearing on my consumer report that I do not recognize or have any association with. This letter serves as a formal request for the information related to these fraudulent accounts to be promptly blocked and deleted from my consumer report, in accordance with the provisions outlined in 15 USC 1681c-2.

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 2023-05-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief