vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
n accordance with the Fair Credit Reporting acXXXX XXXX Account number XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
Calls and letter about this account daily on a balance that was paid in full and doesnt belong to me please remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Below is what I sent to Selene Finance : On the purchase of my investment property, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, my loan originated by XXXX closed in XX/XX/XXXX- As you know, Selene Finance purchased the mortgage loan and/or servicing rights from XXXX Mortgage in XX/XX/XXXX - XXXX taxes to the city of XXXX XXXX were due on XX/XX/XXXX which Selene never paid, even though it was required by both law and the loan documents for an escrowed loan. As you are also aware, I was unaware of that until applying for a Certificate of Occupancy in early XX/XX/XXXX - In order to complete the CO process, I had to pay the taxes myself ( copy of payment attached - reference payment on XX/XX/XXXX ) and expected a reimbursement from Selene Finance while you figured out why you made this error - For over a month I have spoken to a number of customer services reps and team members in your tax department and continually get a run around. Your responsiveness and customer service is clearly failing the baseline requirements of TILA, RESPA, state law, and the XXXX UDAAP requirements. 
- You told me that according to RESPA that Selene wouldn't have been able to pay the XXXX taxes as there is a 60 day review process and that XXXX would be responsible for that, which my lawyer said is not correct in the first place and additionally at this point it's been well over 60 days - However, you also said that you'd work to get me reimbursed and then contend with XXXX on the other end of the corporate dispute. 
- It's been over a week and still no resolution has been made. And this is after months of disputing this issue with Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OH

Complaint narrative:
Some charged various purchases to my card from various places and I filed a complaint with the company and they continually give me the run around and tell me my case is closed and will not refund my money even after filing a police report and sending it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions.

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

Reported late as on XX/XX/2021 XX/XX/20XXXX 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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish an account without my written instructions.

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

Reported late as on XX/XX/2021 XX/XX/202XXXX 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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I spoke with 5 Citi representatives today over about 4.5 hours. Based on my statements from XXXX and XXXX, their payment allocation did not follow the hierarchy rule required by the Credit Card Act. I have attached the transcripts from the final 3 conversations, as I didn't think this would be such a significant issue when I had my initial chat and then placed the call to account specialists as I was instructed to do. 

I paid in excess of my minimum payment in XXXX ( {$130.00} ), XXXX ( {$110.00} ), and XXXX ( {$120.00} ). Anything above that payment should have applied to the higher ( 29.99 % ) APR balance. Some applied to it, but more than should have was paid to the lower ( 22.99 % ) balance. 

For instance, in my XXXX statement, the payment to the high APR balance was about {$430.00}, accounting for the amount of the preexisting balance and the new charges billed. In contrast, my lower APR balance received a {$400.00} payment, which is {$280.00} in excess of my minimum payment. With a balance subject to the 29.99 % interest rate of {$490.00} at the end of XXXX, there was ample balance towards which the excess payment could be paid regardless of when new purchases were actually billed in 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 2022-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems Inc has not validated the debt and the debt does not belong to me. Medical Data Systems Inc is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Medical Data Systems Inc please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems Inc has not validated the debt and the debt does not belong to me. 

The account is on my credit report from your company. Please remove the account immediately as the debt does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I paid my advance back last week on XX/XX/2022, when I signed into the app I learned my advances were gone and I had a {$380.00} balance. I immediately reached out to Moneylion, was told my information was hacked, and felt like I was heard, and would be helped. That was all lip service. I learned someone was able to sign into my account advance money to my XXXX card ( which I hardly use ) then transfer to themselves. it shows exactly who stole the money, and the customer service representative seen his account locked it and promised it would be resolved quickly. I was contacted by a representative in the advocacy team who seemed to care at first. I get a notification everyday that she has heard nothing. I advised I am in XXXX, Fl enduring the hurricane and money is nonexistent. She wished my a wonderful weekend. Right, I am rebuilding from all the storm damage, dealing with the stress of that on top of zero information on the status or turn around time. 

This company now shows I owe {$450.00} that I never advanced or got use of, the fraudster did. And in reviewing the activity further learned he took another {$50.00} each ( {$100.00} total ) from my account on XX/XX/2022 and XX/XX/2022. 

I want this resolved asap and provisional credit given.

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 2022-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
AmSher bought my debt as a 3rd party debt collector which I gave no permission to sell my debt from a medical bill from prior years and continuously harasses my family members phone who repeatedly told them to quit calling that it is not my phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander Consumer USA repossessed vehicle without notice, payment was demanded to retrieve personal belongs, and under the laws of the State of Florida, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
Working with EdFinancial on getting my student loan payments refunded. 

XXXX I placed a loan refund request for XXXX, or my full balance paid during the pandemic payment pause. Received verbal confirmation of the XXXX amount. 

XX/XX/XXXX, I had called again to re-confirm. Verbal confirmation again of the balance. 

XX/XX/XXXX, only XXXX of the balance had been reinstated onto my Edfinancial account. 

XX/XX/XXXX, I called edfinancial again to check in. I found out that the initial request on XXXX was only placed for 2 payments totaling XXXX. A second request was placed on XX/XX/XXXX for the remaining balance after my call on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
Im currently past due with my Avant Credit Card due to 2 consecutive deaths in my family that I experienced in XXXX. Ive still have yet to recover from my financial short comings, however Ive reached out to Avant and advised them such and attempted to work with them in order to not further impact my credit. Unfortunately we werent able to agree on the same terms and I advised that I will work to bring the account to a good standing. 
Since that conversation Ive been contacted consecutively by Avant and its now appearing as harassment. 
On XX/XX/2022 alone, Ive received a total of 7 phone calls from Avant. For the week of XX/XX/2022, Ive received a total of 20 phone calls. Avant has also went as far as to text my phone regarding the debt after XXXX EST. 
Avant is in violation of Fair Debt and Collections Protection Act by the consecutive phone calls being placed on my account in attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have tried several times to have Credit Acceptance review the car loan listed on my credit report. They have failed to do so I have submitted proof several times the car loan was not mine. They still will not resolve the matter.

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 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: DC

Complaint narrative:
At this time Coinbase is giving me the run around about the transfer of my {$2700.00} + balance in a lost-access Coinbase account. I have submitted multple proofs of identification only for them to approve it and then send me emails asking me to do the same thing, over and over. Coinbase is deliberately and inadvertantly using XXXX to thwart me from gaining access to my old account. My account is traced through an email named : XXXX. I can no longer gain access to the gmail account. Coinbase needs to attach my account to my name, not through XXXX!!!! I already knew where this was going so I am preemptively filing this complaint. I do not have time to go back and forth with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is in conjunction with CFPB complaint XXXX. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged XXXX  on a car rental in XXXX. I am an American citizen, visiting as a tourist. I am exempt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
I borrow {$1000.00} for a payback of {$1400.00} after I got the money it says my balance is almost {$6000.00} ... I can't afford that and there taking money every week

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
All of my personal information was hacked into and I am receiving constant emails about loan applications and credit card inquiries. I did not give my permission for this to happen. I have damages to my vehicle due to authorized repairs that I did not approve as well. My email and phone number are completely compromised. My phone carrier is XXXX XXXXXXXX and they have allowed another person to have full access to 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 non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/XXXX To : Consumer Financial Protection Bureau I have a complaint in regards to my house placed under foreclosure through my mortgage company Bank of America. My house was paid off in XXXX. Bank of America failed to notify me with the Deed of release. I continued making payments on all the way up until XXXX, when I received a letter with a returned money order stating that I over paid. I then was notified that my house was paid. I have been under bankruptcy twice since XXXX. My payments consistently increased. A couple years back I was under foreclosure where I came across a program that I applied for to help me to stay in my home. I later found out that BOA took the payments from me that I continue making and also taking the payments from the program and lied about the program saying that I was denied. A couple of weeks ago, a XXXX looking man came to my house, knocked on my door, and told me that he has purchased my house. My house was listed on a website called XXXX After the house " sold '' at the auction that was listed on the website. Most of my family members, and members through marriage all received a letter from a lawyer in XXXX, TN letting each person know that my house was under foreclosure, how much it sold for, & the date. The letter also stated that there is an overage or refund that it is owed to me. This has been a stressful, embarrassing time for me. I have paid my house two to three times more that what I should have. While I was under bankruptcy the lawyer for BOA asked that I pay for their fee and the bankruptcy trustee agreed. My house was paid off in XXXX. It is now XXXX. That mean, I overpaid my house for 9 years! and BOA continue to let me while taking my money. I have received a court date for XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX for Possession of my home. 

This has to be corrected for my children and I. This needs to corrected now so that my children and grandchildren can inherit what I have worked, and struggle so many years for. This house need, must, and will be inherited to my family not to a thief that think that they can come and steal what is rightful OURS. I'm consistently receiving calls, texts, emails, and flyers in the mail asking me to sale my home. My home, that me and my family has built together and made it our own??? My home were there are so many memories in??? BOA has stolen and lied to so many homeowners over the years and I'm one of them. This is a serious issue that needs to be addressed immediately. I need answers fast.

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2022 I filed 4 disputes for merchandise never received with Capital One. On XX/XX/2022 & XX/XX/2022 I received a statement stating that my claim was resolved & the money was put back on my account. There was no money ever placed back on my account. They told me the money was placed on my account on XX/XX/2022 which is false. I was told I would receive a temporary credit in 2-3 business days & now I dont. I sent over account screenshots, chatted in & called. Several different representatives have told me that the money is in my account & they can see it. How can they see it & I cant. That is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone in Texas used my soc.security number fraudulently and opened an account that is now in collections on my credit report with a balance. I have filed a police report and contacted company. Also transunion and they denied my claim. Want this removed and my information not to be used.

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 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally financial is falsely reporting inquiries made in 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 explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Account open without my permission or consent

Company response to consumer: Closed with explanation