vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
We contacted AAG mortgage company in hopes of obtaining a Reverse Mortgage back in XXXX of this year 2022, they put us in contact with one of their agents named XXXX XXXX in New Jersey we filled out the preliminary application they checked out Credit and Mortgage balance and said we were qualified to proceed with the process so we talked with a HUD rep about counciling after that we sent in all the proper documentation and they said everything was fine so they set up an Appointment with a HUD approved appraiser they needed our Appraisal to to be a certain number and it came in over that figure our processor XXXX XXXX sent us a document to have the Appraiser to come back out because she had to signoff on a carbon monoxide installation XXXX XXXX called back and said all documents were done she called XXXX XXXX to get the loan closed he sent a document for us to sign for the payoff and it had a loan approval # on it we sent it back and he said we will close by the end of XXXX then XXXX XXXX called and I asked her if I should make pay my Mortgage payment and she said I can't tell you to make or not to make a payment but if you do you will just get a check back so we decided not too so XXXX call me a few days later and said we found a document and couldn't fundthe loan so we told him we wanted our Appraisal and our counciling money back because before we went through all the application and documents they should have checked everything from the beginning so he said he would look into it never called us back so We called AAG told them our issue and we were told we would receive a call from the head of the cares dept they said she was higher up than a supervisor or Manager she called me Friday and asked what I wanted done do you want your money back or I see your loan is showing you are approved what would you prefer I said we still want the Reverse Mortgage her name was XXXX said she would call us back on Monday and she did not we have made numerous phone calls left messages and have been completely ignored we need help since we are on a fixed income and need some answers sounds like these people don't even know what they are doing and bunch of liers and thieves we need a solution to this problem either fund the loan or at the least give us our money back for the financial pain suffering and heartache they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been a customer of Bank of America for over 30 years. I got laid off last year and noticed that my savings was going down and now I have been hit with fees. I called the bank and asked them to wave the fees and they declined so I closed my account with the person on the phone... I asked her to put the balance into my savings account and close the account. She said fine. I did not notice that she let {$2.00} in there until I was hit with another fee. First, why would she leave money in there? i asked her to close it and transfer the balance. She was very nice but it is a scam. WHen I noticed that I was hit with another fee I immediately called the bank and told them what happened and tehey would not waive the fee and said the only way to close the account was to pay the fee and then they would close it. Even though It's clear that I was closing the account. Today I had to pay that bank another {$12.00} to close my account. I am now in the middle of putting my pay by checks onto my chase account. This is downright fraud.

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 monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account number ending in XXXX XXXX XXXX  Account # XXXX HAS VIOLATED MY RIGHTS.. 

15 U.S.C 1681 section 602 A States : I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit Bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2022-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I own Bank Of America Credit card more than 3 Years. I own 3 Credit cards and I closed one card which I was not using for Years. I paid off all the balances and asked Customer care to make sure my Credit score is not impacted. They did acknowledge no impact and the call is recorded and I agree to close the card. All of a sudden my XXXX score has dropped from XXXX to XXXX. I always pay all my dues on time and never had any loan so far. 

I raised complaint with Bank of America and they acknowledged the mistake but I am not sure how I get my credit score back. 

Now, I am looking to buy my first home in US. But this sudden drop in my score is really hurting. Please help me and correct my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a credit card with Comenity bank which just became Bread XXXX. The website has been down for days, I can't check my balance or pay, and as of today I can't use my card anymore. Customer support is non-existent. Their twitter account won't provide any info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and XXXX XXXX XXXX, XXXX, XXXX, AND XXXX XXXX XXXX XXXX account # XXXX collection account, have all violated my rights. 

XXXX XXXX Account # XXXX was paid and promised to delete information related to the debt removed from all of my credit files. I have filled multiple disputes and the only credit company that has removed this account is XXXX. Transunion and XXXX still hasn't followed suit. They all have been provided the same information to get this account removed. They haven't provided anything in writing as to why this account is still showing up on my credit profile. 

Collection account # XXXX, XXXX, and XXXX have all violated my rights for failure to send validation of debt and HIPPA authorizations. I have been requesting for months that these collection agencies send debt validations to me in writing and they have all failed to do so. The credit reporting agencies have failed to do so as well. Failure to withhold this information in an attempt to do dirty reporting is a direct violation of the FDCPA because of deception after my written request. 

XXXX XXXX XXXX XXXX account # XXXX is reporting inaccurate and unverifiable information and balances. This agency has failed to validate the this debt they say I owe to them and they are violating FCRA laws. 

These collection agencies have failed to send validation proof of this debt that are saying that I owe. This is a direct violation to my rights. It is my right that under the FCRA 15 U.S.C 1681, all unverified accounts must be promptly deleted.

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 2022-06-27 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Because I work XXXX  a lot I get on the phone and call Capital One almost every month to deal with the issues of logging on, and my wife XXXX takes over with my permission. The calls almost always disconnect. I could not make a payment for a week this time and incurred a late fee. This will be reversed or I will reach out to the FDIC. There is no excuse for not being able to log on using my CVC code, it would not let me and my password is saved in the computer so there is not excuse why it doesnt work every single month and has to be changed. 
Called today and got disconnected but finally got into the account to look at my account. 
After 45 minutes on the phone the call dropped. It always drops.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CO

Complaint narrative:
I bought 3 XXXX XXXX XXXX at the local grocery store. 1 of the cards worked fine, the other two had " no balance '' ( 1 was for {$50.00} and the other for {$100.00} ). I called the customer service number on the back of the cards : XXXX on XXXX XX/XX/XXXX and was told that the 2 cards with no balance not " properly loaded '' by the grocery store personnel and the ONLY way to resolve the problem was to FAX to : XXXX the following documents : Copies of the Gift Cards ( front and back ) ; copy of my DL ( front and back ) and copy of the original receipt. I did that at XXXX XXXX  XXXX  on XXXX XX/XX/XXXX. I called the same number above on XXXX XX/XX/XXXX and spoke to XXXX at XXXX XXXX XXXX and was told that my documents were received and that their " off-line '' team had the request and was " coordinating with the merchant '' and that I should receive info on replacement cards or activation within 2 weeks. I called back in XXXX ( did not record date/time ) and was told the same thing... I asked to speak to a supervisor and was told there was not one on duty. I called back on XXXX XX/XX/XXXX ( on every occasion, the people I spoke to had XXXX or middle eastern accents ) and was told that I needed to file " a dispute '' and to wait on the line and my info would be taken. I waited over 30 minutes ... someone picked up the phone after 30 min ( I could hear voices ) and as said as I said " hello '', disconnected me. I tried to find " XXXX XXXX XXXX fraud '' help on-line and came across this number : XXXX ... it was a recorded message about emergency phone numbers, unrelated to anything XXXX. I then researched your organization and spoke with XXXX on XXXX XX/XX/XXXX who encouraged me to submit a complaint thru you and FTC. I still have the original gift cards and original receipt is needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This complaint is NOT ABOUT A CREDITOR/VENDOR... IT IS ABOUT THE CFPB. 

As you are aware... I have submitted several complaints about improper/illegal use/entries and negative information being applied to my credit reports by certain " creditors '' ... 

The results of these complaints have been ... instead of you, the CFPB INVESTIGATING MY COMPLAINT... YOU SIMPLY HANDED OVER MY UPDATED PERSONAL INFORMATION, CONTACT PHONE NUMBER TO THE VERY COMPANIES WHO HAVE VIOLATED MY RIGHTS ... THEREBY ALLOWING THEM TO VIOLATE MY RIGHTS AGAIN BY CALLING ME AT MY HOME AT XXXX PM TO TRY COLLECT ON SO CALLED DEBTS FROM NEARLY SEVEN YEARS AGO. 

When I discovered the above, I called your organization to inquire about this and I was appalled ... when I asked the representative on the phone ... '' why didn't you investigate my claims? ... she stated ... '' WE ONLY ENFORCE THESE CREDIT LAWS IN SITUATIONS WHERE MANY COMPLAINTS ABOUT THE SAME VIOLATOR HAVE BEEN RECEIVED '' ... THEN, I ASKED THE REPRESENTATIVE... WHY DO YOU ALLOW THESE CREDITORS/VENDORS TO POLICE THEMSELVES? ... her response was... ( SILENCE ON THE LINE ) ... NO RESPONSE TO MY QUESTION. 

SO now I ask you, the CFPB, " WHY DID YOU VIOLATE MY PRIVACY BY ALLOWING THESE CREDITORS TO POLICE THEMSELVES? '' I WANT AN INVESTIGATION COMPLETED BY YOU, THE CFPB INTO MY FORMER COMPLAINTS AND A RESPONSE BY YOU, THE CFPB TO MY COMPLAINTS. 

I BELIEVE THAT YOU, THE CFPB HAVE VIOLATED MY RIGHTS UNDER THE FAIR CREDIT LAWS AND HAVE CERTAINLY VIOLATED MY TRUST IN YOUR ORGANIZATION... WHO IS SUPPOSED TO PROTECT MY RIGHTS. 

I await YOUR INVESTIGATION INTO MY FORMER COMPLAINTS ( WHICH YOU SIMPLY ALLOWED MY CREDITORS TO INVESTIGATE/POLICE THEMSELVES ) AND WRITTEN RESULTS OF SAME.

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 2022-06-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Infiniti marked me late XXXX of 2022 when I had filed for an extension. It was confirmed that there was an extension in place which I will attach and I sent to the bureaus. the late payment still remains on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
EXPERIAN IS AND HAS REFUSED FOR NEARLY A YEAR TO DELETE ACCOUNTS ASSOCIATED TO AN ERRONEOUS ( DELETED ) XXXX XXXX BANKRUPTCY. THESE ACCOUNTS HAVE AND CONTINUE TO AFFECT MY CREDIT WORTHINESS. I'VE SUBMITTED SEVERAL DISPUTES AND NOW SEEM TO HAVE BEEN BLOCKED AND/OR FLAGGED BY EXPERIAN TO DISPUTE FUTHER.

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 2022-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have requested that this company validate the debt they claimed is owed over 30 days ago and they have yet to do so. The debt is not valid to my knowledge and the company is continuing with the lawsuit and derogatory accounts on my credit reports. Listed below are the actions taken by both myself and the attorney office that is representing the company. 


XX/XX/2022 A Complaint submitted by XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against myself XX/XX/2022 Summons Mailed Notice submitted by Case Management XX/XX/2022 Answer uploaded by Case Management Staff submitted by Defendant stating that this debt is not valid to my knowledge XX/XX/2022 REQUEST TO ENTER DEFAULT JUDGMENT submitted by PAPADELIAS, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against Defendant XX/XX/2022 Trial scheduled for XX/XX/2022 XX/XX/2022 Motion to vacate submitted by Defendant XX/XX/2022 debt validation letter sent to plaintiff via certified requesting information to validate debt that is claimed to be owed XX/XX/2022 no response from plaintiff with documentation XX/XX/2022 REQUEST FOR ADJOURNMENT submitted by XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX, XXXX XXXX Account XXXX, XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

And also 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 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On a previous response to the CFPB there was a different answer than the letter I received denying me a credit card through Wells Fargo. 
Previous complaint : XXXX. 
I provided my information/ social security number at the time of application. 
The letter said I had delinquencies on my credit, I do not. 
This response is a lie, I did provide my information and no one from WF reached out to ask me for that information. 
This is bait and switch and highly illegal to get my information. 
Additionally, I have received many spam calls and emails since this application. 
This is upsetting, I expect them to make it right, if you pulled my credit and sent me a denial letter you had my social security number! 
You would not say in the letter that I have delinquencies if you didn't pull my credit. 
Shameful behavior!

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 2022-06-27 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF EDUCATIONXXXX Account # XXXX has XXXX XXXX XXXX Account # XXXX 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