vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 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: OH

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SVB FINANCIAL GROUP
State: NV

Complaint narrative:
I have been expecting a refund from XXXX on an investment that did not go through. They, XXXX told me that their correspondent bank, Silicon Valley Bank. XXXX sent me an email showing that SILICON VALLEY BANK completed the wire transfer on XX/XX/2022. They say the {$1000.00} was deposited in my XXXXXXXX XXXX account and sent an email verification to XXXX which they forwarded to me. XXXX XXXX confirmed there we no wire transfers into my account in the month of XX/XX/2022. I called Silicon Valley Bank customer service, and they said they could only talk to XXXX. XXXX does not take phone calls. I emailed both XXXX and SILICON VALLEY BANK XXXX XXXX XXXX XXXX yesterday XX/XX/XXXX and copied XXXX XXXX XXXX  and have not received any response from either. Silicon Valley Bank has NOT wired the {$1000.00} into my account and they will not take my calls. Please help me. This has been going on now for 2 or more months. This is my {$1000.00} Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2022 I received notification that a hard inquiry was made on my credit report ( XXXX ) from Bank of America. I have not submitted a credit application to Bank of America. I contacted Bank of America and they stated someone submitted an application in my name to obtain a XXXX XXXX XXXX  Credit Card, Reference XXXX XXXXXXXX. I did not submit the application.

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 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/2022 - I was notified by Wells Fargo Home Mortgage ( XXXX ) that there was not flood insurance on my property XX/XX/2022 - I was notified that XXXX would place Lender Placed Flood Insurance ( LPFI ) on my property XX/XX/2022 - XXXX made a phone call to XXXX agreeing to LPFI on my property at a cost of {$1800.00} annually. I was given an opportunity to either pay it up front or have it escrowed into my mortgage payment. I was told that {$1800.00} would be escrowed and divided over 12 months at a rate of {$150.00} extra/month. I agreed to this over the phone. I was never given any kind of paperwork to sign regarding this agreement. 
XX/XX/2022- XXXX insurance policy sent to my home XX/XX/2022 - Escrow review statement sent to my home stating that the actual escrowed amount was {$4600.00} at a rate of $ XXXX added onto my mortgage payment. 
XX/XX/2022- XXXX mailed to my home from XXXX regarding my complaint of the {$4600.00} escrowed amount. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment. 
XX/XX/2022- XXXX from XXXX in reponse to my XX/XX/2022 letter stating that there was no error on their part. 
XX/XX/2022- XXXX from XXXX stating that there was no error on their part. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment. 
XX/XX/2022- XXXX from XXXX stating that there was no error on their part. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment.

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 2022-11-17 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: MO

Complaint narrative:
Hello I sent a letter off to you guys on XX/XX/XXXX, To remove personal information that I dont want on my credit report.According to XXXX XXXX XXXXNo financial institutions are to SHARE!!, my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
The debt collector ( Selip & Stylianou , LLP ) collected exempt funds from my checking account. Ive tried to contact the collector about the matter, but the collector has failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money
State: IL

Complaint narrative:
The loan was taken on XX/XX/2022 in the amount of {$2600.00} with an interest rate of 509.46 %. I made a total of 7 bi-weekly payments of {$490.00}, a total of {$3400.00}. Due to financial harship, I am no longer able to make these outrageous payments. I had them remove the ACH withdrawal from the account, but they claim that they will collect the debt aggressively unless the full amount, over {$11000.00} dollars is paid immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
American Express has Charged off this account and is still reporting on my Consumer report. American Express has also filed a 1099c on this account. PLEASE SEND ACOPY OF MY 1099C. 

If this mater is not resolved in 14 days I will follow suit with further proceedings respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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:
IN ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER XXXX XXXX. 

XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX PAYMENTS REPORTED ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS XXXX U.S.C XXXX section XXXX A. States I have a right to privacy. 

XXXX XXXX XXXX section XXXX A. Section XXXX : Its also states that a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have 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 2022-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # 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 2022-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account was originally with XXXX XXXX and was closed as a stolen card due to an identity thief. So I don't understand how a debt that was fraud fell into a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: SC

Complaint narrative:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any 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 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
Goldman Sachs Bank USA has violated 15 USC 1691 ECOA. By not extending me my credit with my credit card I used for this transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
CFPBs available options do not adequately describe my situation. To begin, several times there have been billing inconsistencies. On one phone call in which I attempted to address this issue, the CapitalOne agent seemed completely incapable of understanding what had occurred or addressing my concerns. Most recently, the company withdrew money from my auto-pay account that I did not actually owe. This resulted in a negative balance on my card. In other words, CapitalOne stole these monies. 

In a separate issue, CapitalOne is now declining purchases, even for vendors with whom I have been doing business for years and whom I have paid using my CapitalOne card on many previous occasions. On the morning of XXXX XX/XX/2022, I called and spoke with an agent, who informed me that there was a fraud watch on my card. I explained that the card is not useful to me if CapitalOne is going to decline to approve purchases. I then asked the agent to cancel my current card and send a replacement. I requested this several times and was very clear in making this request. There was also another person present who was a witness to this conversation. 
This morning, I received an alert that a previously declined purchase had been approved on the card that I requested be cancelled three days ago.

I have been an exemplary card holder. I believe I have had this card for more than four years. Every month I pay the entire statement

balance. On one occasion, my payment processed the day after the due date ( due to how CapitalOne processes its payments ), and the company charged me a fee. I asked that it be refunded, due to my excellent payment history, and the agent refused to do so.

I am an attorney who is well aware of my rights. If I am having these types of problems with CapitalOne, I can only imagine what difficulties less informed, less educated consumers are having. From my perspective, the company is not acting in good faith and is violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: PA

Complaint narrative:
Someone, who I believe to be named " XXXX '' ( her name, bills and employment history were on my credit reports ) applied for both XXXX and XXXX XXXX XXXX in my name through XXXX XXXX on three different occassions. On XX/XX/XXXX and XX/XX/XXXX, two separate XXXX XXXX inquiries appear on my credit report. On the XX/XX/XXXX XXXX credit inquiry, a very extensive credit check was done including my checking account info through XXXX XXXX, a XXXX XXXX XXXX XXXX  through XXXX  along with a XXXX XXXX XXXX  search which brought up a piece of real estate I own. On XX/XX/XXXX, a credit inquiry for XXXX XXXX also appears on my credit report. I have tried several times to have these three fraudulent application inquiries removed from the big three credit bureaus as they are not mine. All disputes have come back as verified. I was told to call XXXX Bank by XXXX of the bureas which I did XXXX, XXXX. After speaking to XXXX in the fraud department, I was made aware there were 2 XXXX applications performed on the XX/XX/XXXX inquiry date, 1 application approved for a prepaid card and the other was denied. She said she would immediately cancel the open prepaid account and then transferred me to XXXX XXXX XXXX '' in the underwriting ( I believe ) department. After spending almost 2 hours on the phone with XXXX Bank, XXXX gave me a separate claim number for all 4 credit inquiries as well as a single claim number for the 4 total. He told me it would take 60 days for the inquiries and supplemental information to be removed from my credit reports. This information still remains. I have received two separate letters from XXXX Bank stating the fraudulently opened prepaid XXXX card had been closed. I have since disputed these inquiries with the credit bureaus and they still come back as verified. Since the three Synchrony XXXX and XXXX inquiries remain on my credit reports, I called XXXX Bank again on XX/XX/XXXX. I didn't get the woman 's name but was told I would need to give them another 60 days for removal of the fraudulent inquiries.

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 2022-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
My servicer changed from XXXX to Mohela early this year. They were supposed to have everything transferred over. I need proof of payment going back further than the transfer date. I need this for tax purposes. If I don't get it, I will have to pay back a significant sum for the tax credit I received. I've made all payments on time, even during the COVID deferment period. The statements prior to the transfer date are not made available online, so I called Mohela to request them, as it says we can do. XXXX XXXX also told me I had to call Mohela for those statements. The representative told me they would be mailed to me within 30 days. That was three months ago. I have received nothing. I don't know what to do about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: MA

Complaint narrative:
In accordance with FCRA the following creditors have violated my rights. Under 15 USC 1681 sec 602 states. i have the right to privacy. 15 USC 168 sec 604a sec 2 it also states that a consumer reporting agency can not furnish information about my account without my written instructions. Additionally any amount being disputed on credit report must come off credit report 15 USC 1681 a.1.a. 

The following creditors have violated these laws, and are currently reporting these accounts incorrectly. There are also several details on my report that are in dispute, which should not exist on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to the above, the following creditors are reporting balances due on my credit report while being actively in dispute. These is illegal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX I have filed several dispute letter with them, and they have not replied. I have notified them that they are subject to the doctrine of estoppel by silence, and only then did they reply. 

Not one of these creditors have provided adequate proof of the debt, yet continue to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: SC

Complaint narrative:
When I called a representative kindly agreed to have dis inquiry removed from my credit reports cause dis inquiry is frand and I want it removed ASAP XXXX XXXX  PERSONAL LOAN

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 2022-11-17 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:
I have been the victim of identity theft where all or part of my personal identifying information has been used to establish credit without my knowledge. I have identified several fraudulent accounts on my credit reports and have since frozen the reports, added fraud alerts and filed disputes. 

However, I am having difficulty in dealing with Experian and XXXX blocking the fraudulent accounts from my report. Every time I contact them and provide the information necessary they just place the accounts back into dispute status and later claim they verified the account is correct. Both XXXX XXXX and XXXX have removed the accounts. 

However, I have been in touch with the creditors and forwarded them copies of my identity theft reports and identifying information and was assured the accounts would be removed from my report. I don't know what to do at this point as I am being stonewalled by these companies that continue to maintain fraudulent accounts as if they were mine. 

I am reaching out to the CFPB for assistance in getting this resolved. 

The accounts are : XXXX ending in XXXX XXXX  ending in XXXX XXXX  ( XXXX Card ) ending in XXXX Also some of these accounts have addresses that aren't mine : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Attached documentation from creditors as well as ID Theft Report and personal Identification are 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