vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act SELF LENDING/BANK XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 section 602 states I have the rights 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I closed my account because of the fees associated with WellsFargo. I will have to get them to pull all the charges that was billed to me. I had multiple accounts with them for over 30 years. Can I recommend that I get copies of my expenses during that period of time?

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 2023-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 a mortgage company did a hard pull on my credit through XXXX XXXX without having my consent. I had no intentions of refinancing my mortgage loan as the interest rates were as high as XXXX XXXX. I was not aware that a hard pull was down on my credit until after XXXX when I reviewed my credit information on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/22 I was reviewing my personal checking account TD bank statement. ending in XXXX. I noticed a payment paid to a company named XXXX XXXX XXXX XXXX XXXX in the amount of {$6200.00}. That disbursement was made on XX/XX/22. TD bank had no authority to disburse my funds to a unknown person or company. 
I contacted TD bank immediately to investgate the matter. I drove to my local TD bank branch in XXXX, NJ. I filed a fraud report and complaint through my TD branch office in XXXX, NJ. I filed a police report with XXXX XXXX police dept. Police report # XXXX. I delivered the police report to TD bank XXXX XXXX XXXX. I filed a second complaint on XX/XX/22 with the police report attached. 
I closed my checking account on XX/XX/22 and opened a new one at the TD bank branch in XXXX, NJ. After XXXX weeks I received my new checking account information in the mail. I went on-line to reveiw my bank information and again, XXXX XXXX XXXX XXXX XXXX  appeared on my new checking account as a bill/pay recipient. I then filed a complaint with New Jersey Office of the Attorney General Division of Consumers Affairs. They refered my case to XXXX XXXXXXXX XXXX XXXX. They refered my case to Comptroller of the Currency. I did file a complaint with that agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I did not authorize Pentagon Fcu-XXXX to pull my credit on XXXX XXXX XXXX I did not authorize XXXX to Pull my credit. I clicked on an Add XX/XX/

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 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I contacted Hyundai on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all in regards to a request for my lien to be released for my vehicle. My vehicle was paid off XX/XX/XXXX. Attached is proof from Hyundai. I have attempted to sell my vehicle recently and was informed I was unable to due to the lien still being on the vehicle. On all above dates I requested they send the proper documents to the clerks office. They were given the clerks office fax number to fax it to and the form that the clerks office require for XXXX  ( XXXX ). All calls have resulted in being given the same empty answer. That it would take 3-5 business days from the date of initial request. It has over been double that amount of time and the lien release form has still not been faxed to the county clerks office in XXXX XXXXXXXX XXXX where the vehicle title is registered. Also attached is the form they require from the lien holder, Hyundai in this case. Hyundai is holding a security interest on a vehicle they have legal right to. This vehicle is paid in full and has been for over one year, yet the lien has not been released. The company doesnt seem to understand or care about this issue. My vehicle has a total value of roughly {$11000.00} per XXXX. This is the amount Im unable to sell my vehicle for because Hyundai refuses to release the lien on a paid in full vehicle.

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 2023-01-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2023-01-17 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: CA

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 US DEPT OF EDXXXX ACCT XXXX XXXX ( 6 ACCOUNTS ) ALSO XXXX IS REPORTING THE ABOVE STUDENT LOANS AS A " OPEN, COLLECTION '' BUT ON TRANSUNION ITS SHOWING " EXCEPTIONAL PAYMENT HISTORY NOT AS A COLLECTION '' HOW ARE BOTH BUREAUS REPORTING THE SAME ACCOUNT DIFFERENTLY? ALL STUDENT LOANS NEED TO BE DELETED!!!! ( PLEASE SEE ATTACHED CREDIT REPORTS ) XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX ACCT # 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 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 2023-01-17 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: CA

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 ACCT # XXXX XXXX. US DEPT OF EDXXXX ACCT XXXX XXXX ( 6 ACCOUNTS ) ALSO XXXX IS REPORTING THE ABOVE STUDENT LOANS AS A " OPEN, COLLECTION '' BUT ON XXXX ITS SHOWING " EXCEPTIONAL PAYMENT HISTORY NOT AS A COLLECTION '' HOW ARE BOTH BUREAUS REPORTING THE SAME ACCOUNT DIFFERENTLY? ALL STUDENT LOANS NEED TO BE DELETED!!!! ( PLEASE SEE ATTACHED CREDIT REPORTS ) XXXX. XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX  ACCT # 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 2023-01-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I truly believe when my husband passed away and I spoke with Wells Fargo about a loan modification to help me because I was struggling with the payments they did not treat me fairly. They added more time on the years I needed to pay for the house for at least another 15 years. I don't know if their calculations were right. I may be wrong but I just feel in my heart I was taken advantage of in some sought of way. I would really like for someone to look into this matter. This has been about 7 or 8 years now.

I am not understanding if the house was refinanced if it was I never got any money out of it. I really just want to make sure no one has taken advantage of me because since my husband passed I have been taken advantage of so much from home repairs and other things. 
Thanking you in advance

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 2023-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XX/XX/2023 Call them to send proof that is wasnt no damage done, And that they refused my money from XXXXXXXX XXXX .In the amount of XXXX so I wrote to the judge of way I should not get put out doing XXXX  XXXX time was going on. Now I got a XXXX something fee state in I owe I was on a month to month lease XXXX XXXX did a walk through as i has move out in my 30 days window point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: MI

Complaint narrative:
I am trying to get funding for my business and these inquiries are negative on my profile. These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries. Please delete these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: VA

Complaint narrative:
Flagstar payment processing rules are designed to extract the most amount of fees from customers. Every few months they would change the payment amount on a fixed rate mortgage, even when the payment is sent on time, the bank would not process the payment intentionally so they can charge you a late fee on the full amount while holding onto the money. This is a ridicules practice that is borderline fraud and should be illegal..

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I closed my account in XX/XX/XXXX. After trying for a week and being told no after speaking with 12 representatives from chase credit card customer service. I was told once I closed the account I wouldn't be able to make any purchases on the account. My APR would remain the same and all I needed to do was make payments on the account. One month later the APR increased from XXXX to XXXX this is XXXX. XXXX I noticed another increase XXXX, XXXX another increase XXXX. I call the bank after the first two increases. I am told there haven't been any changes on your apr. I ask if the can reduce the rate. They tell me No. I ask why is the rate skyrocketing and I can't make purchases on this account and I make payments on time each month. They tell me I can speak to another person and put me on hold and the call is disconnected. I got through this about 5 times. In XXXX my APR increases again. No notification from the bank. This time my APR is XXXX .Next statement XX/XX/XXXX XXXX XXXX XXXX. No notification I beg to speak to someone in the department who can tell me about what is happening. The fluctuations in my rates are very concerning. I speak to three different people. No one can help me, numerous excuses and no explanation. Finally a man gets on the phone and tells me the federal government raised the APR. Sorry thats not my department. I will be happy to switch you over to someone. I wait to speak to whomever is assigned to me and I get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Built Homes LLC
State: TX

Complaint narrative:
I bought land and dirt and then paid United Built Homes ( United Built Homes is a Bank, A Mortgage Company, A Lumber Company, A Warranty Company and a Builder ) to build a shell home on XXXX XXXX in XXXXXXXX XXXX. I paid United Built Homes half with a cashier 's check on XX/XX/2021. They claimed my home was substantially complete and asked for the remainder. After we had an engineering firm ( structure ) and an HVAC inspection we were notified there are structural and HVAC defects. The ceiling could collapse in our family room if left as is. United Built Homes was notified by certified mail. United Built Homes ' reps referenced the contract ( where it states that I must accept the home even though it's defective and I also must accept home if it is not in liv-in condition. ) I asked United Built Homes to fix but they refused and filed foreclosure against my house instead of fixing defects. I either have to accept a dangerous defective home ( shell ) as is and pay the remainder or I have to loose my life savings that is tied into this home. They advertise on their website ( International Residential Code standards & oversight - ( my house was built with little to no oversight and certainly not Residential Codes ). They also lied about the size of the lumber which could have caused an accident. ( This home building agreement is a cash deal for a shell. I did not see any categories that fit my circumstance. If there is a better profile for my situation, plese let me know and I will re-file. )

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 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
My mother passed away in XXXX of XXXX and I am the sole beneficiary of her estate. Transferring her vehicle into my name was and still is the last thing I need to do to close out her estate. I have been in contact with Hyundai Motor Finance since XXXX of XXXX asking for the XXXX XXXX XXXX Statement ( XXXX XXXX ), but still have not received it. I've been told numerous times that my case was escalated and would be taken care of, but have not made any progress in getting the requested document. I was told on XXXX that their policy states they had to send the document within 4 business days, but as of today ( XX/XX/XXXX ), I still have not received it. The document has to be faxed to the XXXX XXXX XXXX  and every time I've called, they've confirmed they had the correct fax numbers to send it to and all of the information they had was correct, but can not let me talk to any sort of supervisor or tell me anything as to why the document has not been faxed. I've had numerous reps tell me my case is still in progress, escalated, and all sorts of other great things that sound good over the phone, but do not bring any sort of resolution. At this point, I'm honestly not sure what I can do to get the document and have started looking into XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: IN

Complaint narrative:
The credit bureau named in this claim is in violation of a legal document of ( common law copyright notice ) and are subject to penalties under law.

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