vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Total Card, Inc.
State: SC

Complaint narrative:
XXXX XXXX has violated my consumer rights. In XX/XX/2021, I submit a CFPB to be sent to XXXX XXXX regarding late payments on my account. I had XXXX late payments on my account during the pandemic and I was requesting adjustment. The company notified me that they could not adjust the reporting of those payments. 

However, XXXX XXXX closed my account without notification and continues charging excessive fees : late fees of {$40.00}, interest accrual and a monthly servicing fee on a close account as of XX/XX/2021. See attached. I had a good payment history prior to my account being closed. 

I attempted to pay the account off, but could not pay the balance down because of the fees that were accruing. 

XXXX XXXX is in violation of 15 U.S. Code 1691, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. 

I was also denied a Credit Line increase in XX/XX/2021, stating denial due to High Credit Use On This Account and Account Performance : delinquency on your account in the last 6 months. At the time of the request, I had 0 delinquencies. 


XXXX XXXX is a sub-prime card that takes advantage of consumers with less than perfect credit. It is unfair and discriminatory and I demand remedy of my account and my credit history. 

I have attached evidence to this complaint to support all of the allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card has been setup on a payment plan and balance has been agreed upon for settlement. Discover card has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I never authorized this inquiry. Never heard of the company. Never gave a written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
NOTICE YOU BROKE THE LAW To : XXXX XXXX XXXX, XXXX XXXX XXXX On XX/XX/22, I XXXX XXXX a consumer checked my consumer report and notice that a collection account ( XXXX XXXX, XXXX ) was added to my consumer file claiming that consumer owes an alleged debt. As a result of this notice I am a victim of Identity Theft, or my identification or financial information has been used or transferred or has been alleged to have been used or transferred without my authority or without my consent. This is a violation under Federal law pursuant to 15 USC 1681g ( 11 ). 
I have attached my identity theft report and supporting documents and will file a complaint to XXXX XXXX XXXX, registered agent XXXX XXXX XXXX XXXX for corporation for Identity Theft and unfair debt collection practices under the FDCPA ( Fair Debt Collection Practices Act ). I am demanding a removal or deletion from my consumer file and consumer report IMMEDIATELY or all parties involved will be held liable under Federal laws pursuant to 15 USC 1692k- Civil Liability, Pursuant to 15 USC 1611- Criminal Liability for willful and knowing violation, Pursuant to 15 USC 1681n- Civil Liability for willful noncompliance and Pursuant to 15 USC 1681o- Civil Liability for Negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I had a second mortgage on my home and went through a bankruptcy in XXXX. BofA then bought that loan which was no longer being paid. When I sold my house in XXXX, the sale could not complete because of the lien for that loan. BofA would not work with the title company and requested an authorization to be signed, which I did on XX/XX/XXXX, along with calling BofA myself. I gave the representative my account number ( XXXX ). She could not find any record of that account number. Finally, she used my SSN and found that I had an account, but that it had to closed because it had been written off ( for taxes, she explained ) so that there was no account to collect on. So then we started down the path of trying to get lien released so the deed could be transferred to the new owners. My closing was XXXX and since they couldn't process that quickly, an escrow was created to allow the sale to proceed. After repeated inquiries by the title agency, a confirmation number XXXX was given on XXXX with the promise of resolution in 10 business days. On XX/XX/XXXX BofA indicated the lien release request had been cancelled and that a balance was due- but would not provide that amount. After numerous contact attempts again by the title company, BofA provided reference # XXXX and again said there would be resolution in 10 business days. On XXXX the title company notified me that they were continuing to try to resolve the issue with BofA but that the Bankruptcy, Payoff, and Recovery division and the Charge-Off division kept redirecting to the other without resolution. On XXXX, BofA finally sent a payoff amount. 

Given the answer given to me by the first representative that I spoke with, that she was answering questions based on actually documents she was looking at as we spoke ( not postulating possibilities ), and the time it took to get a simple payoff requiring the involvement of their payoff division, I believe BofA illegally demanded payment for a written-off debt, using the lien as leverage.

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 2022-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Attention : Transunion Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into 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, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Made on : XX/XX/2020 Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX  Made on : XXXX Made with : Transunion

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 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It has come to my attention that continued requests for removal of multiple incorrect addresses appearing on my credit report are still entered as home or residence locations on my credit report. I certify that I have never lived at any of the locations listed. I have been at my current home for the past 16 years. 
This information has led to many negative occurrences to my credit and life. 

This is a demand to again, remove these addresses!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: CarMax, Inc.
State: TX

Complaint narrative:
I never authorized this inquiry. Never heard of the company. Never gave a written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I never authorized this inquiry. Never heard of the company. Never gave a written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX has been setup on a payment plan and balance has been agreed upon for settlement. XXXXXXXX XXXX has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX has been setup on a payment plan and balance has been agreed upon for settlement. XXXX XXXX has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has been setup on a payment plan and balance has been agreed upon for settlement. XXXX XXXX has been contacted and yet will not act to correct the balance, payments made and this has to be addressed as per letter that is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
The loan servicing website has an " alerts '' section which includes both transactional -- statement is ready, tax forms are available, and other notices that should not be ignored -- and promotional offers. Excessive promotional offers. A ratio that seems to be about 12 offers for every alert that I needed to read. 

I contacted customer support to be excluded from receiving these offers. They were unable to help. They removed me from receiving promotional emails, but could not do anything about the messages served by the loan servicing application/website. 

The in-application alerts are the only channel I receive some required communications, and as such, I can not ignore it. 

I feel the lender is abusing my need to use this feature of their loan serving website to receive transactional communications in order to make me a captive audience to promotional messages that I can not opt out of receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a complaint with Equifax about my credit card account with XXXX  XXXX account number XXXX, not being accurate of there site and they removed my account from there system. I have called and tried to get them to put my account back on my credit report, but have been given the run around stating that I need to get a reinstatement letter from XXXX  XXXX, and then I was told that I need XXXX  XXXX to call them, I have been given the run around for since XX/XX/2021. Now I have a second account with XXXX XXXX and that account is not being report either. I called XXXX XXXX they stated that they are reporting to all 3 credit bureau ever month this problem did not start until XX/XX/2021. Can you please help with this problem? 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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:
I XXXX XXXX and I'm submitting this complaint myself there is no third party involved. 

I XXXX XXXX, consumer, natural person, and original creditor demand pursuant to 15 usc 1681 ( b ) - Permissible purpose i have no knowledge or consent to the inquiries that Transunion have reported to my credit 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 2022-01-23 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Following up on a previous complaint ( ID : XXXX ), I confirmed that American Express does NOT have a Welcome offer that ever states that the card user must purchase {$5000.00} in 3 months to receive 75,000 points. Screenshots from XX/XX/XXXX & XXXX, XXXX, as well as XX/XX/XXXX all indicate that the user must spend {$4000.00} in 6 months. The only change is the ability to receive 60,000 or 75,000 points. However, I signed up for the original offer to spend {$4000.00} in 6 months to receive 75,000 points. American Express has never provided me physical proof that the Welcome Offer I signed up for was the {$5000.00} in 3 months, as it does not exist and I did not sign up for that. I specifically signed up for the Welcome offer to spend {$4000.00} in 6 months to receive 75,000 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I originally opened an account with XXXX  that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Apex Mortgage LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NMLS ID XXXX ) of Apex Mortgage LLC ( NMLS XXXX ) was the lender handling the loan process in selling my parents family home to the buyer. The original offer from the buyer was accepted on XX/XX/XXXX. The contract entered the lenders office for underwriting and approval the last week of XXXX. On XX/XX/XXXX, XXXX  told my realtor, XXXX XXXX of XXXX XXXX, the buyer had the clear to close. However, nothing came of it. After several attempts to contact XXXX who was no longer responding or would tell us he would call us back and not, we had not successfully closed. XXXX, when he decided to respond to XXXX, the buyers realtor, or myself, would provide vague reasons and excuses. This went on for weeks. Some of the information we were given was incorrect and almost a blatant lie. Between XX/XX/XXXX, and XX/XX/XXXX ( when we decided to void the contract legally ), we were told we had the Closing Disclosure and Clear to Close 2 separate times. In-between, it was excuses, lack of communication, and inaccurate information. After doing some research, we, the sellers team, discovered that XXXX is not licensed in Maryland, only Washington D.C. We were not sure how he was originating the loan if he is not licensed. He told my realtor, XXXX, and myself he has completed over 30 transactions in Maryland. 
XXXX  not only cost us time in the housing market but also cost my family close to {$10000.00} dollars due to extra mortgage payments ( XXXX, XXXX, and XXXX ), interest on bills the proceeds the sale of the house was going to cover, and rent for my fathers assisted living ( XXXX ). XXXX consistently sympathized with my family and I and assured us the deal would close tomorrow or On Monday. This man and his company ( he is VP ) are predators and need to be addressed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
All 3 Credit Bureaus have again deemed my Investgation/Re-Investigation as " accurate '' and Verifiable. However, I have now called the XXXX XXXX and spoken with a representative who has informed me that NONE OF THE CREDIT BUREAUS have contacted them in regards to any disputes with 2 of my accounts ( or my husband's- the accounts are joint ). She explained that there would be notations on the XXXX XXXX end stating that XXXX, XXXX or Equifax would have send an investigation request and the date of said investigation. NONE OF WHICH HAVE EVER SENT A REQUEST!!! This is becoming an actual joke and waste of time for consumer 's to have to go through this, fighting for their right 's to be upheld! 

Letter # 1 ( XXXX ) - 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Received : XXXX Submitted for Investigation : XXXX Response from XXXX XXXX - Results : Unchanged Acct # XXXX XXXX XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX XXXX Submitted for XXXX Response from XXXX : XXXX - Results : Unchanged Letter # XXXX ( XXXX ) - XXXX WRONG ACCOUNT NUMBERS INCONSISTENT DATE OF LAST ACTIVITY XXXX/Equifax All Reporting Inconsistent - No Way the Verified with XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX- {$520.00} ) Certified Mail Ending in XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Acct # XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in XXXX ( XXXX ) Sent : XXXX Rcvd :? XXXX Submitted for Investigation : XXXX Response from XXXX : XX/XX/XXXX - Unchanged Letter # XXXX ( EQUIFAX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX XXXX ( XXXX- {$520.00} ) Certified Mail Ending in : XXXX ( Equifax ) Sent XXXX XXXX Rcvd : XXXX NO RESPONSE XXXX XXXX ( AFCU- {$1000.00} ) Certified Mail Ending in : XXXX ( Equifax ) Sent : XXXX Rcvd : XXXX XXXX RESPONSE Letter # XXXX : ( EQUIFAX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX XXXX ( XXXX {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX XXXX XXXX ( XXXX- {$1000.00} ) Certified Mail Ending in : XXXX XXXX Letter # 1 : ( XXXX ) 623 15 U.S.C. 1681s-2 Violations Failure to provide written notice to Consumer XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd :? Submitted for Investigation? NO RESPONSE Letter # XXXX : ( XXXX ) Past 30 Days-NO RESPONSE /Demand for Delete XXXX ( {$520.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX XXXX ( {$1000.00} ) Certified Mail Ending In : XXXX Sent : XXXX Rcvd : XXXX Submitted : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They have my name wrong on all credit bureaus. As well as my address.

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