vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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 reporting 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Exeter Finance, LLC.
State: TN

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 reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Over the last 2 weeks I have sent several Unsubscribe Requests to Capital One. There are Credit Card advertisements every day that I receive to get a credit card! I don't want a Credit Card, especially from Capital One. Years ago they were very mean to me when I had a hard time financially. I paid off my account to them. They wanted to take everything from me, even my dignity!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

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

15 USC 1861 Section 602 States I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also States that a consumer reporting agency can not furnish a 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
When I use my credit card or ATM card associated with Bank of America outside of the State of North Carolina or outside of the city of XXXX, they decline the use of the card and consider it Fraud. I have contacted them and explained to them that I am either ordering something on-line or making a subscription purchase, but by then they have already declined the purchase. It seems that they have a very sensitive computer assigned to our account and we can not seem to get it removed. This has been going on for over a year now. Basically, they are denying me access to my funds and not allowing me to spend money from my credit card or access my funds associated with my ATM card and checking account every time they block our ATM card.

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Lexington law firm told us we had until the XXXX of XXXX to cancel me and my husband was deceived woke up money was already taken this company is a scam and we want our money back I cant believe we fell for there deception. XXXX XXXX and I was trying to rent to own which the gentleman put Lexington on the line we were charge {$4.00} then we had until the XXXX of XXXX to cancel which is today I cant even access my account well we woke up at XXXX ; XXXX am on the XXXX today and was charged already we fell taking advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TN

Complaint narrative:
My account With XXXX XXXX XXXX shows as a Charge off and was not paid in Full. I have submitted documentation from XXXX XXXX show account was paid in full and not a charge off but they will not update credit report.

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with 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 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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:
XXXX XXXXXXXX XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXXXXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXXXXXX XXXX XXXXXXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXXXXXX XXXX XXXXXXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers like myself to pay extra fees for debts that they allegedly owe.

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 2022-05-04 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Accounts # XXXX and # XXXX. have 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 reporting agency can not furnish an account without my written instructions. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: IL

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

15USC 1681 Section 604 A Section 2 : It also State a consumer reporting agency can not furnish a 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 only purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I received a collections notice from XXXX  XXXX, XXXX for XXXX. On XXXX XXXX I sent a certified return receipt letter advising that I was disputing their claim. I also requested validation of the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I requested a response to provide me with a list of items stated in my letter within 30 days from the date of receipt. I never received a response from my letter.

They are in violation of the Fair Debt Collection Practices Act and Defamation of character. They continue to report invalidated information to the three credit reporting agencies. I consider these actions 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 explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with 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 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with 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 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
During a virtual call with XXXX XXXX XXXX moving and storage to get an estimate for an upcoming move. The sales person stated I would need a special crate for my glass dining room table. He stated the special crate would be built to protect my glass dining room table. XXXX  XXXX XXXX moving sent over the estimate ; which, I was told included the cost of the special crate. On day of the move, they showed up without a crate, and used card board boxes to protect the table. Disputed the charges with All My Sons Moving and American Express, still no resolution. Explained to American Express the charges were not legitimate and came from deceptive and fraud practices. They charged for an item that wasnt delivered as promise and I agreed to the estimate based on them building a special crate to protect my glass table. Which, they did not deliver as promised. Disputed the charges with XXXX XXXX XXXX XXXX and XXXX and American Express credit card company. Still no resolution..requested a refund of {$1200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 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: M&T BANK CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my writing 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 purpose.

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 2022-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
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 reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc
State: IL

Complaint narrative:
On XX/XX/2022 we received a pre-approval from XXXXXXXX XXXX XXXXXXXX # XXXX to purchase a home in Minnesota. Interest rate at 4.125 % XXXX fixed with no points. On XX/XX/XXXX we sent them an executed contract for a home we are purchasing. In an online exchage on XX/XX/XXXX XXXX XXXX told us there was no expiration on the approval. On XX/XX/XXXX we reached out again to ask a question about closing and interest rates and were told by XXXX he would get back to us. 

On Monday XX/XX/XXXX we received a voicemail from XXXX XXXX informing us they were indeed not licensed in Minnesota to do loans and that we were basically out of luck as far as them being able to service the loan. We already have executed contracts and purchase agreements to buy this home and are left to scramble to secure new financing and not be in violation of the contract. 

We have been lied to since day XXXX about their ability to service this loan. They have mislead not only us but the seller and their agents. This will cost us thousands of dollars in interest rates based on the new rates we will be forced to take since this preapproval was never legal and the rates were not locked in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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:
XXXX XXXX XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX  NA before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX NA to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX  NA 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers like myself to pay extra fees for debts that they allegedly owe.

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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION
State: IA

Complaint narrative:
alliantcreditunion.com XXXX XXXX XXXX XXXX, XXXX, IL XXXX alliant credit union advertised a free {$200.00} gift card for opening and funding a new account. I opened a new account on XXXX XXXX. The promotion did say the offer would be limited to the first XXXX accounts. They continued to advertise the offer tor 10 days after I opened my account. The offer said it would take 2 to 3 weeks to receive card. 

on XX/XX/XXXX I sent a secure message to them telling them I had not received the gift card, got a response saying please wait 14 days, on XX/XX/XXXX I sent a secure message saying I had not received the gift card. Got a response saying it could take 28 business days and asking to confirm my mailing address. They later confirmed the address was what they had on file. 

on XX/XX/XXXX I called the customer service line and spent 40 minutes. They first told me I did not sign up through the correct bonus link, but later said they could see the bonus code had been added to my account, then said they would get back to me, that day. 

No call - no gift card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
I attempted to pay my mortgage online on XXXX XX/XX/2022. The site said I needed to " recreate '' an account. I attempted to do so, and it said my new password violated their " rules. '' I could not locate any " rules '' on the site. On Monday XXXX XX/XX/2022, I called the company for assistance. They said they were receiving more calls than usual, so I oped for a callback. In the 3 hrs, till they closed, I did not receive a callback. 
I am concerned the company has been hacked and they are trying to avoid telling consumers about it, which is illegal in California. Or they are in financial troubles and do not want that to go public. In either event, they are not helping the consumer with an issue of their making. 
To prevent any late payments, I maile them a check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I got 6 alerts for new inquiries that I never applied XX/XX/XXXX on Macys XX/XX/XXXX on XXXX XX/XX/XXXX XXXX XXXX  I did the claim for the other two news 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