vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have all of my accounts with Bank of America. On XX/XX/2022, a vendor refunded {$10000.00} to me, by way of the Bank of America Visa credit card I had initially used for the transaction. The card is paid monthly in full ; I do not incur interest on my charges ( the card is used primarily for regular contributions to charities and the vendor transaction at issue was a one-off ). The refund resulted in a balance in my favor of over {$8600.00} ( the Bank owed XXXX money ). On XX/XX/2022, I transferred the {$10000.00} refund to my savings account at Bank of America. On XX/XX/2022, Bank of America assessed a {$500.00} loan fee. The Bank also assessed interest, but agreed to withdraw those charges. It refuses to reverse the loan fee because its system recognizes the {$10000.00} transfer as a cash advance ; claiming that they can do nothing about it the {$500.00} fee. 

I did not borrow {$10000.00}. I received {$10000.00} in XXXX of my Bank of America accounts and then put it into another of my Bank of America accounts. Bank of America did not loan me XXXX cent and incurred no risk or liability. Interestingly, Bank of America folk tell me that if I had only telephoned the Bank and asked a Bank person to make the transfer, rather than doing it electronically online ( which I am allowed to do ), there would have been no fee. This suggests that there is a button to push but that I, the consumer, am not allowed to push it. This sounds like theft and a gotcha to me.

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 2023-01-31 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: CT

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. 

Account name 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 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 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 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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
My father in XXXX died in XX/XX/2022. My mother in law could no longer afford the payments so both parties ( her and me ) decided that I ( son in law and daughter ) would assume the XXXX XXXX. Per XXXX  guidelines it should have been an unrestrictive transfer due to death and take no more than 30 days. We have been trying to assume this loan since XXXX and it is almost XXXX now and the last email we received is they are reviewing the paperwork and will make a decision soon. Every time I call them that is what they say. They state they don't need anything from me. It has almost been 6 months. I am already living in the home and am making the payments on the loan but this company is not following loan and time guidelines. The company is XXXX XXXX. Loan number that I am trying to assume is XXXX. XXXX XXXX is on the loan ( Deed of Trust ) and my name is XXXX XXXX. I am 100 % XXXX veteran and they stated they are also trying to figure out if they can charge me a VA funding fee. Which Me and you already know they can't per VA guildelines since I am 10 % or more XXXX. I just need someone from your agency to give this lending institution a little push to do their jobs correctly. I am a retired XXXX and now am a XXXX XXXX  and XXXX XXXX for the state of XXXX. I can get a client approved for a loan and close on a home in XXXX XXXX. It shouldn't take XXXX  months to assume a loan. Thanks for your help in this matter. Semper Fi!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX showed my account late, XX/XX/XXXX and XX/XX/XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 usc, section 602, states, I have the right to privacy.15 usc,04a section has my civil liberties violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: NV

Complaint narrative:
WAKEFIELD & ASSOCIATES ACCOUNT # XXXX They have continuously harassed me regarding a fake debt owed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX. by email, telephone and text. The supposed debt they are attempting to collect is, in my less than humble opinion, a classic case of potential XXXX fraud. As such, I have contacted XXXX XXXX XXXX Department, the XXXX XXXX XXXX XXXX, and the XXXX. 

On XX/XX/2022, I visited the emergency room of XXXX XXXX XXXX XXXX and was seen by the ER nurse which resulted in a XXXX billing of {$1900.00}, in two parts of {$1900.00} and {$70.00}. The bill was paid in full by XXXX and my supplemental insurance carrier, XXXXXXXX XXXX XXXXXXXX, in accordance with negotiated payment guidelines. 

Now, XXXX is attempting to collect the XXXX billing a second time but in a total amount of {$1900.00}. Duplicate billings of this nature constitute possible XXXX fraud - period! 

I have spoken to XXXX who appears, at least to me, to delight in their juvenile attempt at fraud. While Wakefield & Associates may be an innocent bystander in possible attempted fraud, an additional billing for the same service provided only once is still possible fraud.

The proof of payment is attached and shown on page 3 of 6 of the Explanation of Benefits taken directly from XXXX website. 

I am successfully retired as a XXXX XXXX XXXX and not an uneducated village XXXX. I understand XXXX XXXX and XXXX extremely well. I have a current XXXX credit score of XXXX out of a maximum possible score of XXXX. So trust me when I say that any further collection of a fraudulent billing by either XXXX or Wakefield & Associates or fraudulent entries to any of the three major credit bureaus will be met with a personal and professional injury lawsuit which I am more than capable of affording. 

XXXX should be prosecuted for attempting to participate in possible XXXX fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2000.00} and XXXX  XXXX XXXX Opened : XX/XX/2017 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 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
We got approved for our loan modification ( after trial payments made ) XXXX and paperwork was signed and turned in XX/XX/XXXX. The process is still not complete we can not get a straight answer not to mention we have not been able to get an accurate payoff since XXXX. No one can explain or answer questions not to mention they keep asking my husband if we want to foreclose even though our payments are being made on time. We are also getting XXXX on our taxes cause they have not applied any payments to our mortgage since XXXX so we can not claim mortgage interest and full escrow on our taxes. The mortgage company keeps saying they sent us a form to refill out but wont send another one saying it shows we received it. They will not provide us that tracking number either. I think they are hoping we cave and give the house back as it is not normal for a bank to ask if you want to foreclose as you are making the payment. We need help!!!!! The bank is Truist formerly Suntrust. I have also reached out on social media and they just lie to us.

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 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Roadrunner Account Services, LLC
State: FL

Complaint narrative:
I got approved for a loan with XXXX XXXX in XXXX. Then XXXX came and I was able to make a payment but not create an account. When I asked customer service they said it was a problem with my social but they would fix it. Same thing in XXXX. I cant save any payment info, and the entire process is a pain. They keep showing that I dont have a payment due, but when I log in to pay it it shows that I owe. 

I tried to set up autopay but they cant seem to create my account, even after receiving my social. 

I try not to lend myself to paranoid thinking, but something just doesnt add up. It seems almost intentional, theyre showing that I dont owe any payments, it seems like they want me to miss my payment. Why would a loan company want me to miss my.. Oh. 

So I go to XXXX to check the other reviews. Within the last 6 months multiple people are reporting similar issues- technical account issues leading to missed payments, late fees, and repossessions. 

Look. If these guys are setting people up to miss their payments just so they can charge a bunch of money, thats wrong. And hopefully illegal. 

Before paying my bill today I took screenshots of the misleading information. Its misleading at best, but if you ask me, its downright malicious and intentional. And frankly I think a class action lawsuit is in order. Every late fee charged returned. Or better yet, end the corrupt company and bless the people who had to endure their evil. 

Companies like this will lead to the collapse of our American financial systems unless someone comes to the aid of the American people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: PA

Complaint narrative:
Disputed late payments multiple times regarding XXXX XXXX XXXX Demanded proof of investigation because the late payments were in fact never late and it is being reported inaccurately after multiple disputes and chances to resolve this issue. 

In addition this account was furnished without my consent ( 15 usc 1681b ) and I demand either a correction of the late payment OR DELETION of entire account.

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 2023-01-31 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: PA

Complaint narrative:
Disputed late payments multiple times regarding XXXX XXXX XXXXXXXX Demanded proof of investigation because the late payments were in fact never late and it is being reported inaccurately after multiple disputes and chances to resolve this issue. 

In addition this account was furnished without my consent ( 15 usc 1681b ) and I demand either a correction of the late payment OR DELETION of entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: OK

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. 

Account name : XXXX XXXX Account number 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 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 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 2023-01-31 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: OK

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. 

Account name : XXXX XXXX Account number 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 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 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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
company discriminates against similarly situated persons : XXXX XXXX XXXX XXXX in the evaulation granting of credit, credit limit. i have excellent credit history in general and with this company. i have had the product advertised as a product with higher credit limit and regular credit limit increases to qualified customers. company denied my request to increase my starting credit limit from {$500.00} 24 times, over 13 months. the company, s advertising promoted this product deceptively. this product is not the product i thought i was applying for, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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

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