vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 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: CA

Complaint narrative:
When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 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 2023-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report is still showing an account # XXXX with a balance that has already been paid off in XXXX of 2023. I made a payment of {$5200.00} on XX/XX/2023, the payment was posted by XXXX but they never updated the account to XXXX  status. I sent XXXX a billing error dispute for correction of this violation XX/XX/2023 pursuant to 15 USC 1666 ( b ), ( c ), ( d ) and ( e ) but have not received a response.

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 2023-02-23 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: AL

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. XXXX  XXXX  Acct # XXXX Balance {$51000.00}, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX Acct # XXXX Balance {$28000.00}, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Balance {$790.00}, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Balance {$5000.00}, XXXX XXXX Acct # XXXX Balance {$1200.00}, XXXX XXXX Acct # XXXX Balance {$6000.00}, XXXX XXXX XXXX Acct # XXXX Balance {$3600.00}, XXXX XXXX Acct # XXXX Balance {$4700.00} XXXX Acct # XXXX Balance 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 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 crime 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 2023-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
My mortgage company received funding from the Homeowners Assistance Fund on my behalf in XX/XX/XXXX. ILHAF paid all money in the rear {$11000.00} plus 3 future payments totaling {$2700.00}. My mortgage company applied the payments incorrectly to my loan therefore causing a lot of issues for me. It has been a headache, time and energy wasted trying to get them to correct this issue. I called in XXXX and sent them a written request on XX/XX/XXXX regarding my payments being applied incorrectly. All the back payments and future payments sent by ILHAF were applied to the 1098 tax year XXXX, which should not have been. Two of the payments should have been applied to XXXX tax 1098. My mortgage payment are XXXX and has been for over 16 years. I have a conventional loan so the amount should not have changed. I do not have PMI or an Escrow account. Where did they apply my lost payment of {$920.00} plus {$19.00}? They also have a Corporate Advance Fee on there for {$19.00} which Im not sure why its there but ILHAF paid that as well in the lump sum amount of {$13000.00}. They actually applied PMI to my mortgage and that should not have been there. I have a conventional loan. Ive been in my home for over 16 years and have equity of over 50 %. I have never defaulted on my homeowners insurance. Now they are sending me statements saying I owe them a payment for XX/XX/XXXX, a late fee and {$19.00} for a Corporate advance Fee which is incorrect. Im tired!!! Can you Please assist me with this company?

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 2023-02-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX continued. 

Spoke with XXXX XXXX from the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. 

I never agreed to the mediation resolution for the HELOC loan. There is no documentation and I never agreed.

The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. 

XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. 



Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXXXXXX XXXX phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.

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 2023-02-23 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: Opportunity Financial, LLC
State: NV

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about Consumer Credit Transaction entered with your Company dated XX/XX/2020 I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; I demand a deletion of the chargeoff mark reporting to my report If you accept my request, I will not escalate this matter to Federal Court XXXX In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about Consumer Credit Transaction entered with your Company dated XX/XX/2020 I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; I demand a deletion of the chargeoff mark reporting to my report If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Please refer previous complaint ID : XXXX for more details. 
This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). 
this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : XXXX XXXX XXXX from BOFA ) Resolution Specialist called/emailed me and requested provide a letter from your cellphone provider on their letterhead confirming you did not perform the transaction XX/XX/XXXX : I called cell phone provider : XXXX XXXX customer service ( XXXX XXXX XXXX - XXXX ( XXXX ) XXXX ) and requested Letterhead with all the details which you mentioned, Agent checked with their Legal team and response was " XXXX XXXX XXXX is prepaid service so can not provide legally on letterhead '', their suggestion is : I can logged in XXXX XXXX XXXX website and print transactions and provide to you '' OR You/BOFA can contact them directly ( XXXX XXXX XXXX - XXXX ( XXXX ) XXXX ) so that they can confirm/provide XXXX XXXX did not perform the any fraudulent transactions and details. 

XX/XX/XXXX : Sent details and XXXX trasactions copy to BOFA Enterprise Resolution department. 

Please do reconsider the claim, as you know 1. On XX/XX/XXXX When I noticed two pending transactions trying to post against my account. I contacted the bank immediately 2. XXXX went to XXXX XXXX md police satiation and filed a case related to the same thing ( XX/XX/XXXX, you/BOFA received a police report as supporting documentation ) 3. Filed complaint : FBI-IC3 4. The Two payments were stolen from my account thru BILL PAYMENT without my approval ( took below details from my BOFA online BillPay activity history ) XXXX XXXX XXXX BILL PAYMENT debit XXXX ( last 4 digits of fraud 's account : XXXX - Confirmation XXXX ) XXXX  XXXX XXXX XXXX BILL PAYMENT debit XXXX ( last 4 digits of fraud 's account : XXXX XXXX ) clearly there was Fraud 's last 4 digit credit card account number and confirmation #, BOFA can contact XXXX  and XXXX  XXXX XXXX  to find out criminals. ( actually I contacted XXXX XXXX  and they suggested BOFA can contact them directly then XXXX will provide the frauds/criminal details ) So please help on this, seeking assistance in getting the funds returned. 

CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST 4 DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX CFPB COMPLAINT XXXX & XXXX Filed complaint : FBI-IC3 FTC : XXXX Thanks & regards, XXXX 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My wife and I purchased a XXXX  Kia XXXX and XXXX  Kia XXXX  the same day in XX/XX/2022 from XXXX XXXX XXXX. The XXXX  was a lease and the K5 a purchase, which was financed through Kia/Hyundai finance entity . 

Apparently, the title for this XXXX  was issued with Hyundai Motor Finance as the legal owner initially, and around XX/XX/2022, the title was transferred from Hyundai Motor Finance to Kia Motor Finance. Apparently, paperwork for that transaction was incomplete and it was rejected by the CA DMV.

We now have a registration hold upon the vehicle and can not legally drive the vehicle. Efforts to secure the documentation requested by the DMV within this letter have continued to be ignored by Hyundai.

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 2023-02-23 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: OR

Complaint narrative:
My name is XXXX XXXX and I had a set of tires put on my truck ( see work order # XXXX ) from XXXX XXXX for a total of XXXX. I paid cash for the tires ( see receipt ). in full so there is no charge or outstanding balance. However it was picked up as a charge to an old account that I once had there and reported to the credit companies in this case Equifax. I went back to XXXX XXXX and talked to their credit specialist and she was kind enough to write a letter for me stating that I did not have an outstanding account there ( please see letter from XXXX XXXX ). I reported all of this to Equifax through their Dispute Center and uploaded these documents, However when they claimed the looked into it, they are saying on my credit score and report that I still have this outstanding balance and took like 70 points off my credit score. I went back and talked to XXXX XXXX and they said they told them I did not have one, she says they are welcome to call back. I am buying a home and the hit to my credit score is terrible and I need it fixed, not to mention I plane don't owe it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: EQUIFAX, INC.
State: NV

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

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 States : it also states that 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 the 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 reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I've received targeted offers for the Amex Delta Card for at least 12 months. I finally decided the apply. I have a fraud alert on my credit report, so I was approved after they verified my identity. The promotional terms included XXXX bonus miles after spending XXXX in the first six months, a {$0.00} intro annual fee for the first year, then {$99.00}. 

Within the past month, I was charged a {$250.00} annual fee. On my first contact attempt with AMEX, I was informed the issue would be resolved, and it wasn't. During my second contact, I was told I was approved for a platinum card, not the gold one I applied for. I was offered no resolution other than to reapply. However, the offer I used has since expired.

Company response to consumer: Closed with explanation