vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I started a refinance application with my current lender, Wells Fargo, on XX/XX/XXXX. I paid my appraisal fee the day I applied per my mortgage consultant. 
I expressed concern to the fha specialist who told me I may not pass for a loan because of repairs. I contacted my consultant about this concern and was told that it would be fine as long as I could live in my house as I already do. I was further informed the appraisal would be my only out of pocket expense when I expressed concern if I needed another appraisal or inspection. 
I had a closing date of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No one called me proceeding these dates and just allowed them to pass by. The appraiser did not come until XX/XX/XXXX. 
I received my appraisal a couple weeks ago. I was told that I now need a foundation inspection. I said I didnt want to go through with that. X my consultant told me that he would notify underwriting my foundation is free from crack, bulging, or decay. Next thing I know, I check my task list and it shows the the inspection fee added to my loan estimate. 
All these issues are in addition to the reps continually asking me for a XXXX w-2 for an employer I didnt work, resubmitting documents that everyone has at hand, and blatant miscommunication among them. The consultant has also went as far as telling me he was telling the fha specialists manager that he shouldnt have given me information about possible approval for repairs. Im now out {$860.00} for an appraisal that I was told shouldnt affect my approval since I already occupy my home. Ive been lied to, then hit with sneaky surprise charges. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The phone line is always open and answered. They have the right number. Tired of the games.

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 2023-09-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Received a {$50.00} digital AMEX gift card ; website claims the AMEX gift card can be used anywhere AMEX is accepted. XXXX, XXXX, XXXX, XXXX XXXX all declined purchases with the card. Stores will not accept the card unless I had a physical card to swipe, digital online stores won't accept the card period, even if the transaction is less than the card amount. 

Balance online says it has {$50.00} on it ; activated in XX/XX/2023. Unfortunately no matter how many times I attempt to use the card I always receive an error. I've never had this kind of trouble with a card before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Axela Technologies, Inc
State: LA

Complaint narrative:
It was very difficult to pay my old HOA or even contact them. The HOA changed last year and took over my current amount owed. They immediately tried to collect in a very busy time and before I even knew of the threat of collection they sold my debt to a 3rd party which immediately tacked on XXXX dollars of additional charges for their benefit and threatened a lien against my house. I requested scans or copies of all paperwork with my signature showing I was responsible to their company for these charges on XXXX to which they never responded but are still sending threats of liens and bad credit reporting so that I can't dispute it on my credit report but they can continue to push the process forward in their favor. It is now XXXX and when I called I was left on the phone for 20 minutes and they received a message saying no one is there to take my call, again pushing back my ability to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023 I paid off my 40 year BOA modification loan and requested that they close the said account. I didn't receive any documentation from the company reiterating this transaction but instead I received a 'bill ' for {$4.00} for the month of XX/XX/2023. I called BOA on XX/XX/2023, spoke to a BOA representative named XXXX & was reassured that I would NOT be held liable for the $ XXXXand a payoff statement would arrive within 7-10 business days. But, on XX/XX/2023, I went on BOA website under my account & noted that the account is still OPEN & still showing the amount of {$4.00}. In addition, I called on XX/XX/2023 to BOA & spoke to another rep, XXXX, and inquired WHY I was assigned a DIFFERENT account #. BOA repXXXX XXXX stated that the reason for 2 DIFFERENT account # 's was due to the company changing the existing modification loan TO an conventional loan. When I inquired WHY this was done, he didn't tell. I am not sure if he couldn't or wouldn't. Some hours after that call, I went on the BOA website again, and saw that there was a {$0.00} beside my Home Equity Loan account BUT in RED lettering it said 'INTEREST AND/OR ADDITIONAL FEES ARE OWED. I have attempted to contact The Office Of Attorney General here in IL & I am still awaiting a reply, as of yet. Is there any way, you can assist me in this dilemma?

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B A creditor may treat my payment on a credit card account under an open consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
This company Santander Consumer XXXX XXXX has been reporting on my credit file, which another company has so called purchased the particular debt, and that company isn't reporting the accurate information itself. This has been something that I have been dealing with for a while now and it has been no complete merit done by the CFPB who supposed to regulate these companies to make sure there doing things right. I have submitted a complaint with your company before and I didn't feel like you guys have not completed a thorough investigation on my behalf. it took more than 30 days to verify, and any kind of information related to this illicit activity from this company listed on my profile. according to 15 U.S.C. 1681 ( 7 ) says that I want a verified detail description of the supposedly investigation from this company and what they have been doing. This has to be done in a timely manner or else this is grounds for deletion. The FCRA simply sates that all the information has to be reported to bureaus 100 % accurately and that's not what this company has been doing. They have been sued before for discrepancies dealing with consumers and the entities and the same thing that I'm dealing with right now, in the exact same time frame as the lawsuit started. I want this DELETED off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts for XXXX are reported incorrectly on my credit report DEPT OF ED/XXXX  XXXX XXXX XXXX  Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}

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 explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account was reported delinquent 30 days and never late paid on time, should report as current never late and in good standing.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Account was reported delinquent 30 days and never late paid on time, should report as current never late and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account was reported delinquent 30 days and never late paid on time, should report as current never late and in good standing.

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 2023-09-23 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
This company is reporting information on my credit report and I have not given them written permission to put anything on my credit profile.by law 15 USC 1681b Permissible purpose of consumer reports this what the law state they have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Account XXXX : XXXX this agency is in violation of 15 USC 1692g. This is an official dispute of this account. I demand the above account deleted from my consumer report.

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 2023-09-23 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
This company is reporting information on my credit report and I have not given them written permission to put anything on my credit profile.by law 15 USC 1681b Permissible purpose of consumer reports this what the law state they have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Account XXXX : XXXX this agency is in violation of 15 USC 1692g. This is an official dispute of this account. I demand the above account deleted from my consumer report.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/23 I received an email from Mohela that my automatic debit had been suspended. When my loans transferred from Federal Student Aid, I was assured that this information would be carried over -- and I followed all directions and verified that they had my auto debit info. Mohela must have lost it, which will cost me time and increased interest payments. The morning of the email, their website was down for maintenance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing XXXX Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter out on XX/XX/ to TransUnion. Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. However the credit bureau said they completed the investigation and said everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigative consumer report means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditors of the consumer or from the consumer I would like to know who did they talk to. 

How did they complete this investigation

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 2023-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am writing to file a complaint against Spring Oaks Capital LLC regarding their repeated calls and mailed correspondence in relation to a debt they claim I owe. Despite my efforts to resolve this matter through two separate dispute letters requesting verification of the debt, Spring Oaks Capital LLC has failed to provide any evidence to support their claim. 

The debt in question, allegedly amounting to {$570.00}, is purportedly owed to XXXX XXXX XXXX. However, Spring Oaks Capital LLC has not provided any contractual agreements bearing my signature, nor have they presented my Social Security Number or the correct address associated with the debt they claim I owe. These blatant discrepancies raise serious concerns regarding the legitimacy and accuracy of this debt. 

As a consumer, I have the right to request validation and proof of the debt 's validity. It is disconcerting that Spring Oaks Capital LLC has disregarded both my previous dispute letters and my right to obtain this information. This failure to verify the debt creates an unfair burden on my financial standing and negatively impacts my credit report without sufficient justification. 

Therefore, I kindly request your assistance in urging Spring Oaks Capital LLC to either provide substantial evidence proving the debt 's validity, including any legally binding agreements bearing my signature, or to immediately remove the disputed debt from my credit report. 

I believe that Spring Oaks Capital LLC 's unjustified persistence in pursuing an unverified debt goes against the regulations set forth by the Fair Debt Collection Practices Act. I trust in the Consumer Financial Protection Bureau 's dedication to consumer protection and their commitment to ensuring fair and ethical practices within the financial industry. 

Enclosed with this complaint, you will find copies of my previous dispute letters sent to Spring Oaks Capital LLC. I also authorize the Consumer Financial Protection Bureau to act as my representative in investigating this matter and to take the appropriate actions against Spring Oaks Capital LLC, in case their practices are found to be in violation of the aforementioned act. 

Thank you for your attention to this matter. I eagerly await a prompt resolution to this dispute that will safeguard my rights as a consumer and protect my financial well-being. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation