vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Valon Technologies, Inc.
State: MN

Complaint narrative:
On XX/XX/, my partner, XXXX, reached out to Valon Mortgage to inquire about financial options, expressly seeking information without any intention of initiating a loan application. During the conversation with XXXX XXXX, the loan officer, XXXX shared his financial and personal details. Importantly, I was not part of this initial call, and at no point did I authorize or intend to be involved in a loan application. 

To my dismay, later that day, I received an email notification indicating the initiation of a home equity loan application in my name, with XXXX listed as a co-signer. Despite my lack of interest in pursuing such a loan, I was prompted to submit income and ID documentation, which I promptly dismissed. Subsequently, on XXXX XXXX XXXX I received an email from Valon Mortgage claiming that I had submitted the loan application. Simultaneously, XXXX XXXX reported a credit inquiry by a home mortgage company, causing considerable distress and concern. 

Upon contacting Valon Mortgage, XXXX denied any involvement in the unauthorized application and directed me to XXXX, a senior loan officer. Unfortunately, both XXXX and XXXX proved unhelpful and resistant, refusing to initiate an investigation or provide clarity on the situation. This lack of cooperation has significantly exacerbated the challenges associated with resolving the unauthorized application issue. 

During my call with XXXX on XX/XX/, I explicitly requested the closure of the unauthorized application. Regrettably, my request has not been addressed, and to my astonishment, on XX/XX/, I received another email notification requesting ID verification. 

Furthermore, despite my attempt to follow up with XXXX on XX/XX/, I have not received any response. This lack of communication intensifies my frustration and difficulty in resolving this matter promptly. 

TLTR : An unauthorized home equity loan application was processed and submitted without my knowledge or explicit authorization. This situation has raised significant concerns, as I had not granted consent for such a transaction. The lack of notification or approval on my part prompts the need for a thorough investigation and a swift resolution to rectify this unauthorized action I have been in contact with the mortgage company and the loan officer, XXXX XXXX, who originated and initiated the application. However, they proved to be unhelpful and resistant, refusing my ask for an internal investigation to help provide clarity and rectify the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The CITI BANK provides the Citi Merchant Offer. On this offer at XXXX, it shows spend XXXX and get XXXX dollars back. I did that on 2 of my credit cards on XX/XX/year>, which was before the expiation date XX/XX/XXXX, but I did not get the credits correctly. 

I called the customer service in XXXX, but the agent said he could not see the offer and denied my request. I have no other options but to complain here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I last paid my student accounts on XX/XX/XXXX for XXXX at aid advantage. 
Then I have no bill for XXXX. My next bill statement is sent on XX/XX/XXXX due XX/XX/XXXX for XXXX and a second email for XXXX. Then on XX/XX/XXXX I get an email the amount due is XXXX for XX/XX/XXXX and on the same day I get another saying XXXX is due. On XX/XX/XXXX I get a notification in the same day that XXXX is due and XXXX. 

With applying for the SAVE plan I am waiting for that to go into affect. I talked with Customer Service XXXX XXXX at Aidadvantage who said I was getting the different amounts due to different loans. If you look in the portal though it says current amount due " XXXX '' which correlates to what I paid in XXXX and should be paying monthly. I can't pay my monthly bill because I get mutiple amounts that don't correlate to the account summary. I also asked XXXX at Aidavantage why I'm not in forbearance as I wait for my SAVE application to go through. Which she told me I did not apply even though I have the confirmation from the goverment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/ ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Please see screenshot attached. inaccurate data reported. 15 U.S. Code 1681e

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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: CO

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXXXX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Please see screenshot attached. inaccurate data reported. 15 U.S. Code 1681e

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: MD

Complaint narrative:
I am seeking assistance for a rather distressing situation that has arisen due to my unfortunate connection with the platform known as Kikoff. To put it bluntly, my experience with Kikoff has been nothing short of troublesome, and I am now in dire need of aid to rectify the issue at hand. Specifically, I am desperately trying to remove my personal information from their database, as it has come to my attention that my sensitive data is being mishandled and has potentially fallen into the wrong hands.

In my earnest pursuit of a resolution, I have already reached out to the Kikoff team and expressed my deep concerns about the security breach that has occurred. I implored them to take immediate action and rectify the situation by erasing my personal information from their records. Regrettably, my pleas seemed to have fallen on deaf ears, as they continued to negligently report negative information about me to credit agencies. This disheartening turn of events has had a profoundly detrimental effect on my credit score, leaving me in a state of considerable financial distress.

Given the gravity of the situation, I find myself in a position where I am left with no other choice but to seek external assistance. It is my sincere hope that someone can guide me through the necessary steps to ensure the removal of my name and personal details from Kikoff 's database. This action is not only crucial to safeguarding my personal information but also instrumental in rectifying the damage done to my credit history.

In conclusion, I humbly beseech anyone reading this message to extend a helping hand in resolving this distressing matter. Any guidance or support provided will be immensely appreciated, as it holds the potential to alleviate the significant burden I am currently facing. Thank you for taking the time to read this plea, and I earnestly hope that a solution can

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am not liable for this debt with, I do not have a contact with, they did not provide me with the original contract as I requested. I demand this account to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
During the time of the event when this occurred i had XXXX  which covered this, i explained the company did not due the diligence even after receiving the XXXX  card and info. The balance should have been removed instead i recieved phone calls from the company threating to affect my credit score and sue. These charges should not have been charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I signed up to receive a credit card from Chase for XXXX XXXX. I paid the {$5000.00} to receive the sign-up bonus within the first two weeks of having the card. They said that they would transfer the points on the first billing statement. It was XX/XX/XXXX. On XX/XX/XXXX chase stated they sent the points to XXXX XXXX. XXXX XXXX says they never received the transfer and can not help me. I called Chase various times and they refused to help me with receiving the points that they promised to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

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

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 2024-01-19 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Was offered other products in order to obtain the loan, when paying off a previous loan was not refunded amounts that were due. was not told about the daily interests rates, continously calls and harassment by XXXX  staff even though consistent contact is being made a far as paying off loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was given a {$500.00} Amex giftcard but it doesn't work anywhere

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
An American Express card was opened in my name. Someone fraudulently charged {$15000.00} in transactions to this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX, I phoned Truist Fraud Protection regarding several charges I did not recognize. The CS rep told me that the charges were " pending, '' and therefore Truist could not do anything until they posted to my account. At this time, around {$110.00} in charges had accrued. The CS agent also said if it were fradulent charges, they would likely drop off my account as the " system '' would flag them as fraudulent. He said to call back several days after they had posted, and they would address it if needed. I called back later in the week and, at this point, now had {$600.00} in charges that had been posted to my account. I filed a dispute of the charges and was subsequently denied as these charges originated from a mobile device using a token. I can assure you we didn't make these charges and am unaware how the XXXX XXXX was hacked. I feel Truist is at fault for not shutting my card down immediately and failing to notify me that these were XXXX XXXX transactions if they had this information. I knew we had the debit card in our possession and it wasn't stolen. I just would like my {$600.00} back in my account but at this point Truist has been unable to help me and although a loyal customer I am not feeling very valued as a customer.

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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2023, I have opened a new Bank of America business checking account through a promotion link in the special offers and deals section of my accounts dashboard ( when logged in ). Based on my notes, the promotion code in the application was automatically populated as XXXX. 

The terms of the offer were that I would receive {$1000.00} bonus when I open a new business checking account and complete the following requirements : - Make Qualifying Deposits of {$30000.00} or more in new money within 30 days of opening the new business checking account - Maintain an average balance of {$30000.00} or more for next 60 days ( day XXXX ) during the maintenance period I've made the deposit of {$30000.00} on XX/XX/2023 and have maintained this balance through XX/XX/2023. I have met the terms of the offer, but have not received the {$1000.00} bonus as advertised for meeting the requirements.

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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For many years Wells Fargo over charged my accounts excessive overdraft and bounce checks fees.

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 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix

Company response to consumer: Closed with explanation