vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The truth to facts of the secondary mortgage is that a Beneficiary Seller Agent, which prepared a Sales Contract, Promissory Note Agreement of the Buyer, unlawfully converted the Promissory Note Agreement, that is a Substitute for Cash, into a Investment Deed of Trust Contract, in favor of the Beneficiary Seller Agent, by legal fraud. 
The undisclosed principal trustee, custodial cestui que trust, or SSN, has property interest in a financial public revenue unit asset note, and it is a violation of real property rights of the absolute trustee for an agent to hold, transfer, or deal with the financial asset interest. 
A authorized, licensed dealer representative of State, is defaming a natural person trustee character, by giving false reports on credit, as if it is a Beneficiary Seller Bank 's credit, and Debasing a Legal Persons Promissory Note, blank endorsement, by extortion of credit. 

This common law of agency, undisclosed principal scheme, hides who is the trustee, along with the original note that shouldve zero balanced out the commercial paper transaction, credit sales contract. 
Deceptive or fraudulent security exchange business practices is when a seller or buyer agent, makes or induces others to rely on a false or misleading written statement for the purpose of obtaining contractual property, promissory note agreement, security interest or credit. 
PUBLIC AUTHORITY IS SUPPOSE TO PROTECT THE PUBLIC INTEREST, NOT IMPAIR SSN CONTRACTS

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 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The truth to facts of the secondary mortgage is that a Beneficiary Seller Agent, which prepared a Sales Contract, Promissory Note Agreement of the Buyer, unlawfully converted the Promissory Note Agreement, that is a Substitute for Cash, into a Investment Deed of Trust Contract, in favor of the Beneficiary Seller Agent, by legal fraud. The undisclosed principal trustee, custodial cestui que trust, or SSN, has property interest in a financial public revenue unit asset note, and it is a violation of real property rights of the absolute trustee for an agent to hold, transfer, or deal with the financial asset interest. A authorized, licensed dealer representative of State, is defaming a natural person trustee character, by giving false reports on credit, as if it is a Beneficiary Seller Bank 's credit, and Debasing a Legal Persons Promissory Note, blank endorsement, by extortion of credit. This common law of agency, undisclosed principal scheme, hides who is the trustee, along with the original note that shouldve zero balanced out the commercial paper transaction, credit sales contract. Deceptive or fraudulent security exchange business practices is when a seller or buyer agent, makes or induces others to rely on a false or misleading written statement for the purpose of obtaining contractual property, promissory note agreement, security interest or credit. PUBLIC AUTHORITY IS SUPPOSE TO PROTECT THE PUBLIC INTEREST, NOT IMPAIR SSN CONTRACTS

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 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Account needs to be completely deleted from account! this was a pay to delete for a settled amount! XXXX has completely removed this from consumer report. It should also be removed because this was a collection account thats reporting as open which is not under FCRA compliance, this is a violation of requisite XXXX XXXX Compliance reporting standards. My dispute letter was sent before they listed it as paid on my consumer report! According to the Fair Credit Reporting Act I have a right to a completely accurate report, and its required to be removed if any information is not true, verifiable, and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX I submitted a dispute via mail and have yet to receive any dispute results and validity of the accounts

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 2022-12-24 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: MI

Complaint narrative:
Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

XXXX XXXX : Account numberxxxxxxxx XXXX XXXX XXXX XXXX : Account numberxxxxx XXXX XXXX XXXX XXXX : Account numberxxxxx XXXXXXXX XXXX XXXX : Account numberxxxxxxxx XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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 to Fair Credit Report Act XXXX  Account XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX ) has violate my rights. 15 U.S.C Section 602A states I have the right to my privacy. 15 U.S.C 168 Section 604A Section2 states consumer reporting agencies cannoli furnish accounts without my consent.

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 2022-12-24 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: MO

Complaint narrative:
Hello CFPB, I opened a Bank of America checking account on XX/XX/XXXX via an advertisement that I received by email from them. The email advertised that I would receive a {$300.00} bonus after completing 3 requirements within 90 days of account opening. The final requirement was completed on XX/XX/XXXX, exactly XXXX  days after account opening. It has been nearly 2 years and the bonus has still not posted. I sent Bank of America a letter on XX/XX/XXXX describing the situation and provided statements showing I met the completed requirements as well as a copy of the email promotion. I received a reply via letter that a promotional code was never supplied during account opening and therefore the promotion would not be honored. But the email advertisement did not mention a promotional code and I applied directly through the link in the email. I have attached all relevant documents for this complaint and hope that you could please help me with this issue. Thank you! 

Kind Regards, 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 monetary relief
Consumer complaint received 2022-12-25 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was a Wells Fargo customer. I could never get approved for anything and the overdraft fees were ridiculous

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 2022-12-24 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I reviewed a copy of my credit report and Ally Financial ran an unauthorized credit inquiry on me on XX/XX/2022 and XX/XX/2022. 

This is a notice to cease your unauthorized hard inquiries on my credit report and a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history. 


I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights 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 2022-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Extortion, racketeering and fraud Here is an example what happens when you borrow money from a bank LOAN ACCOUNT Assets $ XXXX Liabilities $ XXXX Lets say we borrow $ XXXX for a house loan. 

MORTGAGE $ XXXX H0USE Buyer Seller The buyer signs a Promissory Note with the above amount as a deposit in a bank for a house loan The bank writes a check from the Liability account and pays the seller out. In a perfect world, the seller got paid and the buyer takes over his house. 
BANK The Bank deposits the Note into the demand account with entry of equal liability amount out of thin air!

BANK ACCOUNT DEPOSIT Asset Liability $ XXXX $ XXXX The bank uses your signature + sells your Promissory Note To the Clearing Houses. 
Assuming the clearing houses will take a cut of 10 % XXXX XXXX TOTAL $ XXXX Now the bank still collects your mortgage payments with interest, having sold your Promissory Note! 
XXXX XXXX XXXX book ( underground ), and or negotiate a deal with the Bank. 


















For sale The Bank is still in possession of the $ XXXX asset, your XXXX Note Sales profit

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 2022-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
*******LICENSE AND FTC ID THEFT REPORT ATTACHED TO THIS REPORT FOR YOUR REVIEW******** INQUIRIES 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 PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Account needs to be completely deleted from account! this was a pay to delete for a settled amount! XXXX has completely removed this from consumer report. It should also be removed because this was a collection account thats reporting as open which is not under FCRA compliance, this is a violation of requisite METRO 2 Compliance reporting standards. My dispute letter was sent before they listed it as paid on my consumer report! According to the Fair Credit Reporting Act I have a right to a completely accurate report, and its required to be removed if any information is not true, verifiable, and accurate.

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 2022-12-24 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: MI

Complaint narrative:
Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

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

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 2022-12-24 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:
Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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 to Fair Credit Report Act XXXX  Account XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX  ) has violate my rights. 15 U.S.C Section 602A states I have the right to my privacy. 15 U.S.C 168 Section 604A Section2 states consumer reporting agencies cannoli furnish accounts without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance to Fair Credit Report Act XXXX  Account XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX  ) has violate my rights. 15 U.S.C Section 602A states I have the right to my privacy. 15 U.S.C 168 Section 604A Section2 states consumer reporting agencies cannoli furnish accounts without my consent.

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 2022-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My problem with Wells Fargo started I believe around 2019, when I first went to grad school I was getting random fees and found out it was because I had a low amount of money in either my checkings/savings ( I don't remember which one ). Since I was a XXXX and didn't have a solid income, I was getting random fees and was forced to close my savings account to avoid further fees and just have one checking account. These fees came out of the blue and it was hard to find a customer service rep to help me while I was overseas at grad school.

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 2022-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I made a purchase on Pay Pal with their pay in four payments plan. I never received the item. I disputed the charge with them. They denied the claim 10 minutes after I had filed it. There could not have been any investigation done at all. I have continued to try to contact them up until a week ago. I have also requested them to only contact me through US mail and not email or phone calls. They have sent 17 emails and 8 phone calls since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax change my credit report to XXXX XXXX an don't provide no credit score went from XXXX until anything givings me problem to uptain credit I requested my credit score should be placed at good standard conditions XXXX or XXXX do false information that stop me from receiving credit in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: UPGRADE, INC.
State: MD

Complaint narrative:
I was approved for this account on XXXX with a XXXX credit line. I have maintained this account without delay or default since it was opened. There is a stellar payment history with Upgrade, but yet 30 days ago, I recieved an email stating that Upgrade was decreasing my credit line from XXXX to only what was owed on the account to XXXX, which is now the new current credit line. To add insult to injury, my finance rate was changed from 17.99 % to 20.99 %. All I recieved was a letter saying that I had a XXXX on my credit and that is the reason for the decrease. The XXXX  was on the account when it was opened. The XXXX  was discharged in XXXX. Baffeled and confused, I reached out to Upgrade for answers and the representative was sensitive to my complaint, but could not offer any resolve except that my complaint would be escalated and someone would be contacting me.Needless to say, I have not been contacted as of today. I just dont understand, why Upgrade is puilling my credit when I did not apply for anything. And even so, why isnt it to see if I deserve an increase because of the perfect history. I have never ever had this happen to me as long as I have been a consumer using credit cards and line of credit. I have come along way since XXXX. I have a great well paying career, bought a new construction home and as of XXXX, a business owner. Im the type of customer that you want to have. I really would like some intervention on getting the resolve that I could not get on my own. Im only looking for fairness, not an excuse for faulty policy..

Company response to consumer: Closed with explanation