vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: TX

Complaint narrative:
I have subscription accounts with both XXXX and Experian Credit Bureaus ( CB ). XXXX CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. Educational loan {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX  Account # : XXXX | Education Loan Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX 4. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan A/c # : XXXX 5. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. Education Loan A/c # : XXXX 6. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. Education Loan A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am still in school. One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, Experian has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX XXXX XXXX XXXX shows a similar pattern, that being, failure to show these accounts as being deferred.

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 2022-03-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX of 2022 An attempt was made to resolve inaccurate information on my report. It is now XX/XX/XXXX, of 2022 I have been taken advantage of due to malpractice while being in violation with FCRA guidelines. This has caused me hardship and hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX of 2022 An attempt was made to resolve inaccurate information on my report. It is now XX/XX/XXXX, of 2022 I have been taken advantage of due to malpractice while being in violation with FCRA guidelines. This has caused me hardship and hurt my ability to obtain credit.

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 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Hello- I'm writing concerning my mortgage company, Wells Fargo XXXX I applied to the Massachusetts Homeowners Fund due to COVID. I was on a suspension from payments from XXXX XXXX XXXX XXXX. I'm now behind those months and XXXX and XX/XX/XXXX. The last 2 payments are due to being in review for a loan modification. In XXXX XXXX, I applied for the Massachusetts Homeowners Assistance Fund. It's still in review. When I spoke to HOA, they said that they're waiting on Wells Fargo to get on board with the program. I was emailing a representative from HOA, XXXX, about technical problems logging on to their site. She said that their notes said that I was approved for the program. But once again, she said that they're waiting on Wells Fargo. I originally found out about the program from a Wells Fargo representative back in XXXX XXXX. It's on their website about the program. Yesterday, I spoke with my Home Preservation Specialist, XXXX XXXX. I asked him if he received all the faxes with documentation that I sent. Including in the faxes was a copy of my HAF application. I wanted my mortgage company to know that I had applied for assistance. He said that he didn't know much about the HOA program. And spoke with his supervisor, who also said the same. Now, they act like they've nothing to do with this. This is so not right. Because their customers really believed that they were trying to help them with their experiences with COVID.

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 2022-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XXXX XX/XX/XXXX I reached out via online to Transunion XXXX XXXX and Transunion that I would like dispute XXXX XXXX that is listed on my credit report as inaccurate reporting. 

Also, on XXXX I contacted all 3 credit bureaus by mail asking them to investigate the in accurate credit report regarding XXXX XXXX and XXXX XXXX XXXX XXXX Yet they've claim that they've investigated the matter without providing me any wet ink signature agreements or contracts that confirms these companies personally has contracted with me. Sadly, to say somehow these organizations received my private and personal information without my consent and are reporting fraudulently. 15 USC 1681 15 usc 1692 ( d ) Harassment ; 15 USC 1692 ( e ) False and Misleading On XXXX XX/XX/XXXX I followed up with XXXX XXXX XXXX and Transunion all three bureaus by phone to ask why the previous request has not been resolved and that I'm still showing inaccuracies on my credit report. I demanded that they removed these because they are abusive debt collection practices 15 US 1692 ( a ) I spent a lot of my time and energy looking to resolve, dispute this by reaching out to these unknown companies that I never contracted with requesting them to cease and desist from their unfair practices. Yet my online request, mail and phone calls have been ignored for far too long.

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 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/2022, I realized that I my social security number may have been compromised. I contacted Citi and requested help or information about additional steps I could take to protect my accounts. I was told I had nothing to worry about. On XX/XX/2022 there was an unauthorized EFT from my checking account ending in XXXX in the amount of of {$5000.00}. 

Citi refused then and refuses now to protect me in violation of CFPB Regulation E. I have submitted copious evidence to Citi bank proving that this EFT was unauthorized. Citi has ignored my submissions. I was also told that my case, no. XXXX, was still open on appeal, but calls to customer service today revealed that it is marked as " denied and closed. '' Furthermore, Citi carelessly allowed ongoing ( legitimate ) debits to said account after I had repeatedly been assured that it was " frozen '' to protect my funds. 

I also notified the recipient bank, XXXX, that the unauthorized EFT went into an account at its bank and it has refused to acknowledge my complaint and request for action. Thus, XXXX is allowing its institution to perpetuate crimes, as I am sure I am not the only person the perpetrator has targeted.

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 2022-03-23 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: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act... 
XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX 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  Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was on vacation in XXXX and had received a XXXX XXXX XXXX XXXX XXXX result before I was about to head home. I had to cancel the flight on XX/XX/XXXX and try to rebook the flight due to being XXXX XXXX. When trying to rebook the flight in the early morning of XX/XX/XXXX I made several phone calls to Amex Travel. It took 3-4 calls after being on the phone and hold for an hour every time before eventually being disconnected and never received a call back. Especially after the first thing they ask you, is what is a good call back number if we get disconnected. Eventually when trying to search for a return ticket home, they said Ill get credit for the return flight home and theyll waive their change fees, but went on to say XXXX XXXX is still going to charge you a {$300.00} ticket change fee. And the cheapest ticket they could find for me on XX/XX/XXXX was {$800.00} bringing the total to {$1100.00}. I tried telling them XXXX XXXX is waiving any ticket change fees due to XXXX  if you book before XX/XX/XXXX. Amex team members told me, thats not true. And I still have to pay {$300.00} change fee. I told them to look on the website where it clearly states there is a complimentary change due to XXXX. I also called airline directly to confirm and the agent confirmed I should not be charged a ticket change fee. And secondly the cheapest ticket I found was about {$470.00} to return home, not {$800.00}. So they were trying to charge me {$1100.00} instead of {$470.00} which the airline credit should mostly of covered. Unfortunately since I booked through Amex Travel, XXXX XXXX advised I will have to deal with Amex Travel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 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: FL

Complaint narrative:
XXXX  XXXX XXXX and Discover Bank is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report. 
- Furnishing information on my report without my signed written consent to furnish my private information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America and XXXX XXXX  is furnishing unverified information on my consumer report in addition to - reporting a charge off on my report AND sending me a 1099. Per IRS, 1099 's are reported as income. Income is not to be furnished on my consumer report. 
- Furnishing information on my report without my signed written consent to furnish my private information

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 2022-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, a cash app card was forwarded to my new address from my old address. The Cash App card has my name and old address on the letter. I did not create this account. I attempted to log into the account and was asked through the app if I was in possession of an email address that is not mine. I contacted Cash App that same day to advise and whom I suspected started the account. Cash app advised the account will be investigated. In the meantime, on XX/XX/XXXX, my relative attempted to send {$60.00} to me and mistakenly sent it to the fraudulent account. Cash app was notified and advised to request a refund of the amount. My relative requested a refund and did not receive a response. On XX/XX/XXXX I received a response from cash app that the account had been closed. 1 ) I would like a refund from cash app be sent my relative 2 ) I would like to know how can someone create an account with my personal in formation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: NC

Complaint narrative:
I mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXX XXXX  XXXX on XX/XX/2019 which gave me several months of deferred payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc.
State: OR

Complaint narrative:
I have been working with Valon Mortgage to have the PMI removed from my mortgage. During this process, they have repeatedly misrepresented services, given assurances that have cost me money, and failed to provide any sort of meaningful support or processing expedience. When you are servicing a XXXX XXXX dollar investment, it is imperative that statements around financial matters to clients are both accurate and concise. While I understand the CFPB does not service customer service complaints, Valon has repeatedly made improper recommendations, given false assurances, and failed to follow through on what they are required to do as a mortgage servicer. 

On XX/XX/XXXX, a Valon rep stated that " regarding your PMI appraisal, not a problem. That does sound like a pretty massive undertaking so as long as it shows up in an appraisal, we can definitely move forward and proceed ''. Unfortunately, this was not the truth. We can't even get to a place where an appraisal can be scheduled. 

On XX/XX/XXXX Valon stated via email that Converting to a smart home could be considered a substantial improvement. So on that advice, I went out and bought/installed what has now come to over {$500.00} of smart home equipment. Smart thermostat, locks, doorbell w/ camera, and security system to run it all. But then on XX/XX/XXXX they said that we believe strongly that those items would not have changed the determination and have refused to submit them for approval. To make a suggestion that costs clients money and then back away once the client has made the investment is both repulsive and unethical. 

Finally, on XX/XX/XXXX Valon emailed to say that they proceeded to order your Property Valuation as of XX/XX/XXXX. Which was great. I was very excited. But then XXXX minutes later, they responded to say that wasnt actually the case. They should not be telling clients that their processes are moving forward when they are not. That is misleading and sloppy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
* called Capital one on XX/XX/2022 I extended my consumer credit to Capital one and they violated me and broke the law when they recently RESTRICT both of my capital one accounts without my permission and / or consent. 
Restrict- limit something, especially an activity, to ( a particular place, time, or category of people ). 
Let it be known I am the original creditor When I called capital one and spoke with XXXX manager of the fraud and dispute department at Capital One, she told me both of my accounts were CLOSED. Her ID reference number : XXXX XXXX of Capital One could not give me a complete and accurate reason as to why my account was closed. 
Closed - to deny access to ( XXXX dictionary ) This is deceptive, and unfair debt collection practices. To restrict and to close are two different actions. You cant do two actions it is either one or the other. These action can not not be acted on without the original creditor consent. 
She ( XXXX XXXX stated you violated the bank terms and conditions she could not tell me exactly what the violations was she said it was the banks decision. How can a bank which is an elaborate mechanism with no real standing or authority make a decision based off my extended consumer credit. Once my credit was ran by Capital one, they gain access to the trust and became the appointed trustee. I am the beneficiary and this action from capital one do not benefit me. When the trustee actions dont benefit the beneficiary its FRAUD. 
So where is the Proof? If I violated their agreement wouldnt it make sense to show me where in the agreement? 
Instead I got a I dont have access as to why your account was close and I dont have any other person you can talk to Im the higher -XXXX  response. 
Capital One which is a Fictitious entity can not make decisions based on my extended credit its prohibited by federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX 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.

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 2022-03-23 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I paid my payment of {$160.00} dollars and someone stole my checking account so payment didn't go threw so the next day I paid XXXX now they are saying because my credit they closed my account and that's cruel and unusual punishment then they lie and say because of my credit they closed account which this isn't a plausible reason I have been with citibank for for over 7 years same credit account always paid on time they are deliberately trying to destroy my credit

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