vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 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: GA

Complaint narrative:
Under the 15 USC 1681 ( a ) ( 4 ) Congress makes it clear that a consumer has a right to his/her own privacy. 

Equifax is guilty of the infringement upon my Consumer Right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ).

Under the 15 USC 1681b ( a ) ( 2 ) Equifax did not have a permissible purpose, nor did they have my written instruction or permission to publish this particular item on my consumer report. 

Therefore, I will be including XXXX and Equfiax during litigation for wrongful collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Something fraudulent happened in my BofA checking account I am not sure what. A check was deposited. Apparently it was deposited never touched never withdrew. XXXX XXXX felt it was fraud and froze the account. I had funds in that account prior to this deposit. The account is frozen and my funds can not be touched. They said policy is 30 days. I have waited over 30 days. I put in 2 hardship requests for my funds along with my XXXX  phone number. I was denied my hardship. Today I was told it could take up to another 60 days. They are holding my funds. I am XXXX  I have no money staying with a friend. They just tell me that the case is not totally closed. Today they told me it could be another 60 days. This is unacceptable. I dont even know about anything fraudi didnt touch the check that was deposited. I just want access to MY funds

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 2023-08-03 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: NM

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 un 15 USC 1681. 

Account XXXX XXXX  Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX  Account XXXX XXXX Account XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 and 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 ) (! ) A personal 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 2023-08-03 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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I had a XXXX XXXX  in XX/XX/2022. Several months ago I started to look into my credit reports. I saw several inquiries and collection agencies who had items being reported that were the same or duplicate reports. I sent XXXX XXXX mail to XXXX and XXXX regarding these issues. I never received any letters and or status regarding the report.I have also not seen any changes or new notes on these accounts. 

I want to know why my credit information is being shared with multiple unauthorized companies. In none of my credit applications did I agree to share my private personal information with whomever ( personal and or business ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: FL

Complaint narrative:
There is an inquiry on my XXXX Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my XXXX credit report immediately. Please remove the following : XXXX XXXX XX/XX/2023. Thank you. 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 2023-08-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Compliant XXXX was submitted on Wells Fargo and a prepaid credit card debt that they " alleged '' is owed. XXXX XXXX XXXX, as well as Wells Fargo, are both reporting this " alleged '' debt on all 3 credit bureau profiles. XXXX is indicating that I owe them {$740.00} and Wells Fargo is reporting {$610.00} in interest and fees for a prepaid credit card that my security deposit was never received back at the time of requesting account closure. XXXX continues to send mail correspondences and contact me several times a day for this debt despite me informing them the debt isn't actual and requesting documentation from them.

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 2023-08-03 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: Nelnet, Inc.
State: FL

Complaint narrative:
I made a payment on XX/XX/XXXX which is being reflected on my account but Nelnet wouldnt report the payment and the lower loan balance to the credit bureaus. I have disputed the details of my account and they still did not correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry.

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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, during the hours of XXXX and XXXX I went to the XXXX XXXX XXXX to utilized the ATM which is owned by the Citizens Bank XXXX I am also a member of the Citizen 's Bank for over 19 years. I attempted to retrieved {$600.00} from the ATM. During my transaction, the ATM machine screen went black and shut down and attempted to restart itself, however the screen remain black/blank. I did not get any money or a receipt. 

I attempted to call the customer service and the automation phone service stated it would be a 20 minutes wait before someone could help me. I was on my lunch hour so I ran to the nearest Citizens Bank which is in the XXXX XXXX XXXX  XXXX. I explained to the Teller what had happened, the Teller informed me that it showed that the money was withdrawn, however, the machine is attached to their branch/bank so they can not help me. 

I was still on hold while seeking in person assistance with the XXXX XXXX XXXX. The customer service representative on the phone stated I should file a claim which I did over the phone. On XX/XX/XXXX, there was a deposit of {$600.00} into my account and was immediately withdrawn by Citizens. I went on vacation on XX/XX/XXXX. I came back a week later and there was no deposit of my money in the account. I went to the XXXX XXXX branch to seek assistance and I was told there was no error with the ATM and that is why the money was withdrawn immediately after they ( Citizens ) deposited it on XX/XX/XXXX. I have been calling Citizens bank since XX/XX/XXXX trying to resolve this matter, I have been treated unfairly, again I have had this account for over 19 years. I am now seeking your assistance in getting my money back. I have tried asking the bank for the ATM video and computerized transaction for the week. I was told, I needed a subpoena. Attached, please find a photo of the ATM machine and my police report. Please help me get my money back. I am a homeowner, a husband of XXXX XXXX XXXX I can not afford to lose this amount of any amount of money. I need this matter resolve and I feel your office is the only one who can assist me in resolving this matter. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
NATIONAL CREDIT SYSTEM has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. NATIONAL CREDIT SYSTEMhas called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I have a loan with Kia Finance America. Paymentd were toward a 70 month contract, amounting to XXXX dollars monthly. There was a no payment interest free period, expired XX/XX/2023. During the interest free no payment period, I made several payments towards the principal alone. Kia finance has processed a payment of XXXX made XX/XX/2023 and applied the whole amount to interest fees, less XXXX they applied toward the principal. Kia Finance America is collecting interest instead of principal and interest payments, lengthening the loan timeframe and increasing the loan payments. I tried calling them to dispute this, they hung up on me. 4 times.

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 2023-08-03 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Compliant XXXX was submitted on XXXX XXXX and a prepaid credit card debt that they " alleged '' is owed. XXXX XXXX XXXX, as well as XXXX XXXX, are both reporting this " alleged '' debt on all XXXX credit bureau profiles. XXXX is indicating that I owe them {$740.00} and XXXX XXXX is reporting {$610.00} in interest and fees for a prepaid credit card that my security deposit was never received back at the time of requesting account closure. XXXX continues to send mail correspondences and contact me several times a day for this debt despite me informing them the debt isn't actual and requesting documentation from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
This company was notified by me over phone communication that I dont want my personal information shared with affiliates or non affiliated parties. Then then sent me my Opt Out disclosure form which I fax in and they received. But they are still sharing my info with CRAs after I stated I want to limit the sharing of my information. Also I never sent them any certified permissible purpose stating I would want my reports shared in the first place pursuant 15 USC 1681b. They also fail to comply with 15 USC 6802 with respect to Opt Out of sharing my non public personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
After several communications with Mr Cooper Mortgage  company in XXXX they finally removed the mortgage insurance ( XX/XX/XXXX ) from being collected from my escrow funds. My equity in the home was well above industry averages. 
Within 3 months after verifying by letter that the XXXXXXXX would stop it was added back in. When I complained and filed an internal complaint with Mr Cooper my mortgage was sold to another company without resolution. The new company XXXX mortgage continues to disburse the XXXX  from my escrow funds and this month XXXX, XXXX increased my monthly payment charging double. I have tried to resolve the issues by telephone and in writing to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
CREDIT MANAGEMENT LP has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. CREDIT MANAGEMENT LP has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Complaint XXXX was opened on XX/XX/2023 and no resolution has been provided to date. 

XXXX Submitted STATUS Submitted to the CFPB on XX/XX/2023 XXXX Credit card or prepaid card ISSUE Fees or interest We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT After obtaining a {$300.00} secured credit card with Wells Fargo, I made the decision to close the account approximately XXXX months later. To my surprise, upon contacting Wells Fargo, I discovered that I had been charged interest fees on nonexistent purchases, as well as late fees on those interest charges. Furthermore, despite closing the account, my initial {$300.00} security deposit was not returned by Wells Fargo.

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 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a XXXX mortgage with Chase and I am aware that my interest rate will started become a floating rate, which essentially goes up from 2.75 % to 7.75 % in XX/XX/XXXX. I called Chase and even visited Chase Bank in XXXX XXXX, the local branch supervisor assured me that as long as I paid off the entire loan principle by end of XXXX, I will not be paying the 7.75 %. I believed in that. but on XXXX, when I am asking Chase for a payoff quote, it shows even if I pay in XXXX, I will be paid for the new rate, 7.75 %. i called custom service, they did some investigation and saying that for my loan, the interest is XXXX month ahead, so I should be actually starting paying the new rate XXXX month earlier. This is very unfair and not transparent to me, no one explained to me this before and the branch didn't warn me of this as well. They said they had sent a letter to me saying the rate is going to increase on XX/XX/XXXX but I saw in the same letter, they also say " Under the terms of your Adjustable-Rate-Mortgage, you have a 84 month period during which your interest rate stayed the same. that period ends on XX/XX/XXXX, so on that date, your interest rate and mortgage payment change ''. so it says rate changes in XX/XX/XXXX on that sentence. How can a customer believe the rate is actually changing in XX/XX/XXXX by reading such statement. This is very bad and misleading. also the interest they are charging me as of 7.75 % is from XX/XX/XXXX to XX/XX/XXXX, it is even unbelievable, even XX/XX/XXXX is charging 7.75 % now?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX.

Company response to consumer: Closed with explanation