vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-28 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: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act Dept of EducationXXXX 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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I received a letter in the mail from BMO Harris Bank in late XXXX, XXXX, that stated I had opened up a new account for a BMO Harris Bank Platinum Rewards MasterCard ending in XXXX. I had never even heard of BMO Harris Bank until this point, and was not in the market for a new credit card and did not request new credit nor apply for new credit. 

I then received in the mail a letter from BMO Harris Bank stating that a balance transfer request was made on the new account. Again, this is not something I had requested. 

I finally received a third letter from BMO Harris Bank indicating there was a {$7700.00} balance transfer on this account along with {$310.00} in fees. 

I have called BMO Harris Bank now XXXX different times to discuss this matter. All XXXX  times, they kept transferring me around to different people, finally stating that I needed to go to a physical bank branch of theirs to verify my identity so that they could close the account and mark it as fraud. However, I don't live anywhere near a branch, and find it very concerning that they let someone else open a fraudulent account in my name, yet can't seem to close the account without me driving XXXX hours to a branch. 

I have also reached out to all XXXX credit bureaus to let them know of this fraud, and have frozen my credit report until further notice so that nothing else can be done. However, my credit score has dropped significantly because of this issue.

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 2023-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I disputed two collection debts with XXXX  2x with supporting documents regarding my Affirm loan accounts ( XXXX and XXXX  ) that was paid off through third party agencies. For XXXX  the amount paid was {$40.00}. Whereas the XXXX  debt was originally {$150.00} but {$100.00} was taken in the form of a settlement. Both payments were cleared XX/XX/2023. 

Affirm denied XXXX  to update the history of credit to reflect the status as paid in settlement with said amounts. 

I went ahead and decided to give affirm a call. As per affirm, they stated that despite confirmation of payments they will keep the status as charge off and will not update any information with my credit bureaus. 

This is extremely frustrating because I went through rough times and decided to still pay the debt. At this point why would anyone want to pay their debt if companies won't honor the payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Valon Technologies, Inc.
State: TX

Complaint narrative:
What happened : On ( XX/XX/XXXX ), I Spoke with a supervisor regarding my insurance. I explained that I was able to find a lower insurance premium that I would like to purchase. This insurance needs to be purchased directly from us. We were told that he would allow us to purchase this insurance but we needed to complete a form so they could approve it. We ask if we could go ahead and purchase this policy because it is only valid for that day. He gave us permission to purchase this policy. Now we received an email communication stating the removal of the insurance from escrow was declined. We already spoke on the phone regarding the 80 % XXXX  from initial purchase. He said he would approve it for the exception of the insurance but not the property tax. 
We agreed and he said he would send us the form and we could go ahead and purchase the insurance that day. I asked several times to make sure we were clear about the decision to purchase the insurance. There is a recording of the conversation. 
I feel I was misled, and wrongly informed to go ahead and proceed to buy the insurance. 
In XXXX, Valon was late in paying my property tax, and XXXX XXXX kept contacting us and sending us notice with late penalty fees. We had stress during this time caused by this issue. In my experience the idea behind an escrow account is to eliminate these issues from the customer. However, this was a very stressful event for my husband and myself. I still have the letters from XXXX XXXX stating that our payment has not been received. We were very upset, and nothing was done in return to make up for this stressful event that was clearly Valons fault. The only thing we received was an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Westlake Services, LLC
State: NM

Complaint narrative:
I signed a lease for a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX. The contract was handled through CULA, Credit Union Leasing of America. To obtain a lower payment on the Lease I traded in a vehicle that was given credit for it. My total down payment was {$7900.00} on the price. I leased the vehicle from XX/XX/XXXX, until it was in an accident on XX/XX/XXXX. I have a police report that I was not at fault in the accident. I called the credit union that I currently pay my lease to, which is now XXXX XXXX because the account was transferred to them, to let them know what happened. The representative said I had a payout balance of {$34000.00} that was owed on the vehicle but to see what the insurance adjuster said first. I took it to an adjuster that estimated initially {$21000.00} in damage. After the adjuster took the vehicle for a closer inspection it was changed to over {$31000.00} and deemed a total loss. The insurance company said the payout was {$42000.00} ( roughly ) so that I would not need GAP insurance to pay a difference on the vehicle. All companies, such as XXXX, XXXX, XXXX, etc., take the payout balance and the equity, if any, returns to the consumer. On a call with XXXX to Cula to arrange for payment CULA states they keep all monies for the vehicle, including the overage from any down payment. The representative, XXXX XXXX, said it is in the contract and that is what is going to happen. He was rude and the XXXX representative, who had arranged the call as a three-way, apologized at the call 's conclusion for the way the representative explained things. I e-mailed CULA again, hoping they would release the funds, explaining that this practice is not common and unfair to the consumer, but was told to refer to the contract. In fact, the representative ( XXXX ) highlighted a section of the contract that says if the vehicle is a total loss the lease terminates. While it says the company is deemed as a loss payee is does not say they claim all rights to any equity. I explained I had no right to purchase the vehicle, through no fault of my own, and I should not lose the opportunity to purchase the vehicle or claim any equity. Again, other company 's do not claim the equity but only take the payoff amount. CULA refuses to discuss it and the contract is not clear to the average consumer nor is it a fair business practice. CULA claims to be the sole owner, yet CULA signed a power of attorney to allow me to be added as an owner, in order to register the vehicle in XXXX XXXX XXXX XXXX views CULA and I as co-owners of the vehicle as seen on the registration that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: FL

Complaint narrative:
Once again According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to sees Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I he me demand the following accounts be verified or removed immediately. 

XXXX XXXX  Account number XXXX Unverified account XXXX XXXX XXXX XXXX  Account number XXXX Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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:
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 U.S.C 1681. 

XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX These persons have 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 agency can not furnish an account without my written instructions.

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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts 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 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years.

15 USC 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 2023-02-28 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: VW Credit
State: FL

Complaint narrative:
They are reporting my car was charged off with a bankruptcy but its not true. It was paid as agreed and the same company gave me a new loan on my car. They refused to remove it without a fax from my attorney and the court showing it was not part of the bankruptcy. We did that and now they say the file is large that the attorney sent and they will get back to me after they make a decision. I was never late in XXXX  years!!! Please get them to correct my credit report. XXXX and the others

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28 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: KY

Complaint narrative:
XX/XX/2020 XXXX said I opened an account which is not true I was XXXX  at the time the account is XXXX there number is XXXX I call and can never get in touch with them. This is reporting on my Experian report and I would like this account removed off my report it says I have late payments 90 and 120 days which is not true because it is impossible for me to even open the account in the first place. This is really having a negative impact on my credit report and I would like this resolved!

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 2023-02-28 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I sent Certified mail letters. Experian is being lazy and not doing their job. Under the FCRA, the burden of proof lies on Experian, XXXX, XXXX you are the one allowing fraudulent information to report on my credit report. Thank you for following the ethical standards set by the FCRA and removing these late payments. I call Experian, XXXX, XXXX and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( Experian XXXX, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.Experian, Tranunions, XXXX are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email Experians, XXXX, XXXX CEOs as last resort before I Sue them all.

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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MI

Complaint narrative:
In XX/XX/, the interest rate on my Discover credit card ending in XXXX, with the upcoming payment of {$230.00}, was due XX/XX/, which was paid. I called for a payoff balance of {$1000.00}, delivered via Cashier checks ( XXXX for {$10000.00} and check number XXXX for {$81.00}. These two checks were drawn fon XXXX XXXX XXXX XXXX ( my bank ) dated XX/XX/XXXX  and mailed priority mail that day to ensure their arrival before XX/XX/ per the representative I spoke with. Both checks arrive that Thursday. Discover processed the {$10000.00} and could not find the {$81.00} review until I called, asking why I still have a balance. They could not find the check until I filed a dispute for the missing check. Discover gave me a credit of half of what they claimed was still outstanding. XX/XX/XXXX XXXX I received an email stating that they found the missing check ; however, there is still a due balance on my account of {$130.00} when there should be a zero balance. Discover still charges me interest on a missing check they conveniently failed to post until XX/XX/, per my bank ( XXXX XXXX XXXX XXXX ). 
I spoke with a representative yesterday, and they were insulting, telling me that I still owe the outstanding balance because of the accrued interest, which I am disputing. 
What do I want? I want my Discover card balance to read zero because I have already paid what was owed and met their processing date of having the money in their possession. Next, I want Discover to reimburse me for the {$87.00} that I paid for the trouble they have caused me because if they can process one check, then why not both checks to pay off the outstanding balance? To me, this is an unethical way of doing business. It is borderline fraud. Lastly, I do not want a late payment appearing on my credit profile. I have an excellent payment history with Discover and my other creditors. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28 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:
My information was stolen years ago due to that Equifax data breach. I need your help in requesting that the CRA 's block the fraudulent information listed on my reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX received false information from XXXX pertaining to a bankruptcy associated with the social security number provided to me. They've since added the false information to the credit profiles for which they maintain under my social security number. I've connected with XXXX who has since removed the false information related to the bankruptcy from my XXXX report. Experian and XXXX have failed to provide me with documentation for which my signature is attached to showing how they were able to prove the validity of the bankruptcy. The courts have stated that they do not provide information to third parties and gathering information without verifying its validity is illegal. XXXX has sent documentation to both Experian and XXXX regarding the removal and they have not updated my credit profile.

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 2023-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is an addendum to initial COMPLAINT ID # XXXX submitted on XX/XX/2023. The fraudulent charge of {$76.00} was denied being charged by the vendor in XXXX, refunded on XX/XX/XXXX ( no thanks to Barkleys ) to the original card ending in XXXX, by XXXX XXXX, XXXX ( see attached invoice ). The XXXX account was closed by Barkleys in XXXX as they deemed the {$76.00} a fraudulent charge.To date, and after several long phone calls, they have not been able to link the refund to the new account number they issued and are charging us interest and late fees. The fact Barkleys fraud branch lacks the intellect and expertise to manage and investigate their own Rewards Program is a telling indictment on the creditability of the entire corporation. The incompetence and ineptitude demonstrated by this group is something I have never experienced previously. They do however, excel in victimizing the victim. I was victimized by their inability to discover the origins of the fraud charge during my two months of investigating. I was further victimized by adding a late fee to the fraudulent charge, then an interest charge and finally being reported to the credit bureaus for failure to pay the fraudulent charge. They are outstanding at piling on the victim, but offer no helpful assistance whatsoever! This is text-book worthy failure. I recommend Barkleys contact XXXX XXXX  for instructions on how to conduct fraud research!

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 2023-02-28 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: OK

Complaint narrative:
This account is reporting an incorrect balance, The account is in fact paid in full, an was supposed to be deleted by XXXX XXXX per out pay to deleted agreement. The account is XXXX XXXX # XXXX the balance due is reporting as {$840.00} the actual balance is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation