vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One extended credit to me through an offer that I utilized to be granted a {$750.00} credit limit on a credit card account number XXXX. However, by the end of 2016, I realized that I could not afford the card and called Capital one to cancel the card through customer service ( i.e., an option offered in the original terms ). They refused to cancel the card! 

So, I tried to pay off the balance with the intention of having it paid off, and not using it would force them to close it. I was overcome by the continuous increments in monthly fees. The balance on the card ended up being twice the credit limit!!! By law, after XXXX days of non-payment the card was supposed to be charged off ( i.e., written off as a bad debt by the company. That would become a deduction for the company from the IRS. The debt was later charged off with excessive fees and sold to different collection agencies. Over the years, it is now with XXXX XXXX XXXX, XXXX. 

Capital one made a profit by charging off the debt. Then sold the debt and made more money. Meanwhile, not reporting the correct dates when the debt was charged off and sent to collections. By changing collection agencies, Capital one has kept renewing the debt beyond age. How does a {$750.00} credit line become {$1400.00}? I couldn't use the card but my fees kept going up. That is almost twice the amount of credit extended. That is theft! It is inaccurate and unfair. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: TX

Complaint narrative:
In Accordance with The Fair Credit Reporting Act XXXX XXXX- Account Number- XXXXXXXX XXXX XXXX- Account Number- XXXXXXXX XXXX XXXX- Account Number- XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number- XXXX, XXXX XXXX  Account XXXX XXXX, XXXX XXXX, XXXX XXXX - Account Number- XXXX, XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account Number- XXXX XXXX  Acts Has Violated My Rights XXXX 

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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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.

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 2022-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: TX

Complaint narrative:
In Accordance with The Fair Credit Reporting Act Grain Technology- Account Number- XXXX, XXXX  XXXX- Account XXXX- XXXX, XXXX  XXXX- Account XXXX- XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX- XXXX, XXXX XXXX- Account XXXX XXXX, XXXX  XXXX, XXXX XXXX - Account XXXX- XXXX, XXXX XXXX- Account XXXX XXXX XXXX XXXX Account XXXX XXXX Convergent Acts Has Violated My Rights XXXX 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We hired XXXX XXXX of the law offices of XXXX XXXX XXXX to defend a foreclosure and to pay off the arrears for the property due to a divorce between my daughter XXXX XXXX XXXX and XXXX XXXX. For over 4 years we directed him to payoff the Foreclosure amount of {$690000.00}, and he repeatly gave us all kinds of excuses as to why it couldn't be done or some other false information, next thing we know a private investor group, of which we suspect XXXX XXXX and XXXX XXXX XXXX is a part of purchase the mortgage and the house is schedule for a 90 day sale. We again told XXXX to payoff the {$690000.00} foreclosure amount and XXXX XXXX of this investor group demamnded {>= $1,000,000}. XXXX never objected to any of the falsified payoff letters of put in any defense to the foreclosure. When we attempted to notify Judge XXXX, XXXX NY Supreme court judge, of the Fraud on the part of XXXX XXXX of XXXX and XXXX XXXX of XXXX XXXX XXXX that purchased the debt from XXXX XXXX XXXX XXXX The judge provided false information to my Daughter XXXX XXXX and forced her to sign a stipulation when we clearly asked for a 60 day stay of foreclosure activities. I, XXXX XXXX, never signed any Stipulation and we are being told that the property was sold back to the bank for {$500.00} despite having viable offers of {$690000.00}. The assessed valuation of the property is {>= $1,000,000} and the foreclosure judgement is for only {$690000.00}. This is a clear case of fraud on the Part of XXXX XXXX XXXX of the XXXX XXXX XXXX, XXXX XXXX to steal the property and resell it for a windfall This is a typical XXXX. that was detailed in the recent Wells Fargo settlement of XXXX XXXX dollars. XXXX we are being served with papers to vacate the property.

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 2022-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
For starters American Credit Acceptance is saying that I don't have any payments made on the car loan for a XXXX  XXXX XXXX  from XXXX XXXX. But if you go to their website and put in the same email address and password that I used to register with you guys, you will see under their transaction history that some of the payments were not returned to my friends who thought I was getting a raw deal. Under their transaction history there are XXXX payments of XXXX which total to XXXX then they are XXXX payments of XXXX which total to XXXX with both of them together total to XXXX and when you subtract from the price of the car there remains an overpayment of XXXX. Since I made two payments with my chase account and my friends all used XXXX  XXXX XXXX they are saying that I didn't make any payments for the car which I did. I expect to receive the refund by cashier check and the title of my car within the next week or two since it shows that they are in complete error of their data unless they are hiding something from me that they are not showing on their website which is fraud that in itself. Please help me out with this. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In Accordance with The Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acts Has Violated My Rights XXXX 

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 explanation
Consumer complaint received 2022-12-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account number : XXXX Account name : XXXX, XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account number : XXXX Account name : XXXX, XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 1666B A creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose. 
In I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore past due reportings must be removed immediately. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX reporting past due Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX XXXX XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX reporting past due Dept of Ed/XXXX # XXXX reporting past due Dept of EdXXXX # XXXX reporting past due XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX reporting past due XXXX XXXXXXXX XXXX/ XXXX XXXX & XX/XX/XXXX reporting past due Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report.

Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for you time and attention to this matter

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 2022-12-31 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: OH

Complaint narrative:
I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 1666B A creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose. 
In I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore past due reportings must be removed immediately. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX reporting past due XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XXXX Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX & XX/XX/XXXX reporting XXXX XXXX Dept of Ed/XXXX  # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX XXXX XXXX reporting past due Dept of Ed/XXXX  # XXXX reporting past due Dept of EdXXXX # XXXX reporting past due XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX reporting past due Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond promptly. I prefer that we both avoid pursuit of my rights under XXXX XXXX section XXXX and XXXX, which requires your compliance with the law. 

Thank You for you time and attention to this matter

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 2022-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Ive been fighting this since XXXX and yall think this is some kind of joke XXXX XXXX does not return call my case has not been investigated right I was told on XX/XX/2022 that a response would be mailed to me in a few days well here it is almost 2 months and Ive recieved no decision on my case by law Im suppose to have my money returned because the XXXX transaction were not authorized by me someone hacked into my phone and recieved my text messages and emails without me knowing I got everything I asked for except my log in history on my acct there was a different number signing into my acct without me knowing I want my {$5200.00} back and I want this case closed on this case for good and get someone other than XXXX XXXX to help with this I have no acct with boa so if they say the money was returned to my acct its a lie I no longer and never will deal with boa ever again give me my money these fraudulent people took from me as far as this company yall need better customer service reps that will return calls and know what there job is going onn6 months fighting this is ridiculous I should of gotten my money back if it was a different bank yall dont take responsibility for these hackers that XXXX us inocent consumers

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 2022-12-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In Accordance with The Fair Credit Reporting Act XXXX XXXX- XXXX XXXX 2021 XXXX  XXXX - XXXX XXXX 2021 XXXX XXXX- XXXX XXXX 2021 XXXX XXXX XX/XX/ 2021 XXXX XXXX - XX/XX/ 2021 XXXX  Acts 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 explanation
Consumer complaint received 2022-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/22 I filed my first XXXX  application under XXXX  which was the loan servicer I had selected after being informed I was required to consolidate all of my loans in order to qualify for the XXXX. XXXX of these loans is currently in a borrower defense application that is also being ignored and according to the the XXXX XXXX XXXX falls under the XXXX XXXX dispute and should have been absolved, but has yet to have been taken care of. I was instructed by studentaid.gov that the loan even after consolidation can still be seen and resolved so I followed their instructions. XXXX sold my loan to Mohela and they removed my initial application for XXXX. I filed again on XX/XX/22 they cancelled it with no reasoning and long customer service waits and multiple emails with no responses I finally was told it was missing employment certification, which it is not. I was then told to send employment verification again separately just in case and was walked through how to do that. They deleted that document. I refiled again XX/XX/22 They marked that as duplicate and once again I was told to submit employment verification which is showing as still processing as of XX/XX/22. I have called XXXX  times and emailed and been given multiple different responses along the lines of not received, still processing, and we don't accept that method of verification. Yet nothing has moved forward. I did receive a letter at one point that appears to have processed the application but does not list ANY of my payment history there are XXXX  years of payment history missing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation