vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK
State: IL

Complaint narrative:
This Complaint has been directed to your complaints/fraud department ; therefore, we shall reasonably assume that it has been received by the correct party. It is critical that the relevant officials be made cognizant of an ordeal I have suffered as a result of internal failures and violations of law at your company. 
2. Description of the Incident 3. Around XX/XX/2021, I became a victim of a complex scam scheme orchestrated by XXXX, also referred to as the " XXXX '' or the " XXXX ''. They have created, developed, manufactured, promoted, marketed, distributed, labeled, and sold fraudulent " investment services '', which aim to rob and defraud clients by using a predetermined cycle of losses to gains.

It is important to note that the scammer, registered as " XXXX XXXX '', is a client of your organization and has been committing financial crimes right under your nose. This includes stealing and laundering large sums of money on a regular basis. Shockingly, using your services, money totaling XXXX USD was transferred from my XXXX XXXX and XXXX XXXXk accounts. 
I hope you understand the gravity of this situation and the extent of harm caused to me and potentially other victims. I urge you to take immediate action to prevent any further financial crimes committed by this client or any other fraudulent entities using your services. 
4. Against this background, I hereby respectfully file this Complaint against your company, an internationally recognized and respected financial institution. The Complaint meticulously states several recognized and viable causes of action, inter alia, negligence, breach of implied contract and other similar claims for which I seek damages, as well as attorneys fees and costs, to the fullest extent permitted by law. 
XXXX. The allegations contained herein are predicated upon personal knowledge, and upon facts obtained through investigations or analyses conducted by qualified third parties and media reports. I strongly believe that substantive evidence in support of the allegations set forth herein will be found after an appropriate opportunity for discovery. 
II. FACTUAL BACKGROUND AND GENERAL ALLEGATIONS A. Overview 6. I am a victim of an incredibly sophisticated investment fraud scheme, where crooks systematically disguise themselves as a legitimate and trustworthy entity in order to illicitly exploit the vulnerabilities of unsuspecting investors and con them out of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TN

Complaint narrative:
The credit reporting agencies removed some but left a few that were due to ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Ive called this company spoke to a customer service agent as well as a supervisor. Neither of the calls made yielded a contract saying I was in an agreement with them. They say they are a third party agency that bought a debt and I need to pay them {$200.00}. I do not owe this company any money, nor have I signed an agreement to pay them any money on behalf of any person or business. I asked for the comp [ any to send me the original contract for this agreement and I was told they do not have it. Please remove this from my credit report as a derogatory item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding XXXX, XXXX, and Transunion, the major credit reporting agencies in the United States. It has come to my attention that these agencies are not deleting accounts after the statute of limitation for reporting debt has passed, which is a clear violation of the Fair Credit Reporting Act. 

What is even more concerning is that these agencies are purposely not reporting the whole payment history to avoid deleting accounts. This is completely unfair to consumers and it is unacceptable that they are being penalized for the credit reporting agency 's own negligence. 

Furthermore, when requesting a dispute for the statute of limitation, XXXX, XXXX, and Transunion have decided to place the full responsibility of the removal of accounts on the furnisher of the information reported. This is an unfair and unreasonable expectation to place on consumers who have no control over the information provided to the credit reporting agencies. 

I have personally spoken with representatives from XXXX, XXXX, and Transunion and have been instructed to dispute all accounts with the furnisher, and they would decide if the information would be deleted or not. This is unacceptable as these agencies should be conducting their own fair and reasonable investigation into these matters. 

I urge you to take action against XXXX, XXXX, and Transunion for their actions, and to ensure that they comply with the Fair Credit Reporting Act. Consumers deserve to have accurate and fair reporting of their credit history, and it is clear that these agencies are failing to provide this. 

Thank you for your attention to this matter. 

Sincerely,

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 2023-05-01 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding XXXX, Equifax, and XXXX, the major credit reporting agencies in the United States. It has come to my attention that these agencies are not deleting accounts after the statute of limitation for reporting debt has passed, which is a clear violation of the Fair Credit Reporting Act. 

What is even more concerning is that these agencies are purposely not reporting the whole payment history to avoid deleting accounts. This is completely unfair to consumers and it is unacceptable that they are being penalized for the credit reporting agency 's own negligence. 

Furthermore, when requesting a dispute for the statute of limitation, XXXX, Equifax, and XXXX have decided to place the full responsibility of the removal of accounts on the furnisher of the information reported. This is an unfair and unreasonable expectation to place on consumers who have no control over the information provided to the credit reporting agencies. 

I have personally spoken with representatives from XXXX, Equifax, and XXXX and have been instructed to dispute all accounts with the furnisher, and they would decide if the information would be deleted or not. This is unacceptable as these agencies should be conducting their own fair and reasonable investigation into these matters. 

I urge you to take action against XXXX, Equifax, and XXXX for their actions, and to ensure that they comply with the Fair Credit Reporting Act. Consumers deserve to have accurate and fair reporting of their credit history, and it is clear that these agencies are failing to provide this. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I have a Bank of America prepaid card provided to me by EDD XXXX. On XX/XX/XXXX at approximately XXXX I received an email to approve transactions for a company Id never heard of, XXXX XXXX the amounts were for {$99.00} and there were about 30 of them totaling to {$3000.00}. In response to the notification asking if these were valid transactions, I of course said no. Even after my response they went into pending status and on XX/XX/XXXX they were approved and posted to my account. 

I have filed a claim with Bank of America and it has been 10 days and I have not received any sort of credit back for those fraudulent transactions. Each time I call for an update they tell me itll take 90 days to see my money and even then they might not. I do not like the way Bank of America has handled my case as it seems negligent on their part. Thank you.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TX

Complaint narrative:
XXXX has stopped me from using the Visa but continue to charge me interest and report negatively to my credit bureaus

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 2023-05-01 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: TX

Complaint narrative:
XXXX has stopped me from using the Visa but continue to charge me interest and report negatively to my credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: TX

Complaint narrative:
XXXX has stopped me from using the Visa but continue to charge me interest and report negatively to my credit bureaus

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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


Account name : XXXX Account Number:1986** Account name : XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: NC

Complaint narrative:
I am having a house built by XXXX XXXX and using their preferred in-house lender NVR Mortgage to be able to take advantage of the closing cost credit they are offering of {$10000.00}. This company has done nothing but shady stuff the entire mortgage process, such as telling me they'd beat or match an offer from another company and then I literally had to work my way up the ladder to managers to get them to beat that offer. Now the latest shady thing, probably unethical and predatory thing they've done is for the past 7 months, the property taxes on all my loan estimates have been {$180.00}. 1 week before closing they issue a new loan estimate with property taxes of {$290.00}. That is a 61.1 % increase in property taxes. When I reached out to my loan officer, XXXX XXXX XXXX, he advised that the county increased their taxes. I said OK, I will contact the county and see if they did. I contact the XXXX XXXX tax collector 's office and they advised me of the opposite. They had lowered taxes from XXXX to .XXXX, and the city tax for XXXX of XXXX had not changed recently at all. When I spoke to XXXX about this last Thursday, he said that their attorneys provide them with this tax information and that they were using that information. But when you do the math out ( ( XXXX [ original tax amount ] x 12 [ months ] ) XXXX [ price of the home ] ) x 100 [ to get the percentage or mill rate = XXXX. That mill rate is very close to the previous mill rate of the COUNTY alone which was XXXX in XXXX. This is very deceptive of them to be doing when I have fought like XXXX  to get my payment down to where it was and then a week before closing they issue new loan estimates with a payment now {$110.00} more than it was. This makes no sense to me. The tax rates have been the same since XXXX, the home building process started in XXXX of XXXX. A lender should not be able to do this. This is deceptive lending and unethical at the least. They've stated that, on the loan estimates it says this amount can change, which yes it can, and I understand that. However, I don't think when that text was put there that they meant it can go up by 61 %. Furthermore, they now want me to be paying the property taxes of {$290.00} a month for the rest of the year even after I've CONFIRMED with XXXX from the XXXX XXXX tax assessors office that the remaining taxes for this year are set at {$730.00} and that they will reassess the property either in XXXX of this year of XXXX of XXXX. Once the property is reassessed my taxes will then go up. In the meantime though, the seller/builder is trying to force me to pay an amount that hasn't even been decided yet, because a new assessment has not even been done yet. If the house is reassessed in XXXX, the taxes for XXXX through XXXX will be due in XXXX. Which if I'm making monthly payments to my escrow account, then common logic would dictate that there is enough in the account for the taxes that are due in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: MD

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2022 I received letters from Bank of America that someone had attempted to cash a fraudulent cheque of {$11000.00} in my account ending in XXXX. Both my accounts were closed as a result- the case was reported to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX- and I was asked to contact these two organizations for more information. I attempted to reopen a new account at Bank of America and other institutions but failed because of the information these institutions had on file. I needed a bank account to function as I am a XXXX at XXXX and can not even use XXXX  as a result of the identity theft. 

I contacted XXXX XXXX and was asked to procure an identity theft report and a police report before my information could be removed. I did this and submitted the information and after an investigation XXXX XXXX removed my information from their system. 
I contacted XXXX XXXX next and after submitting these two credible reports to XXXX XXXX XXXX I was told a reinvestigation by Bank of America was underway. However, a few weeks later I was told Bank of America would not have XXXX XXXX to remove my information from their system. 

It is very unfair that they are preventing me from opening a bank account anywhere since I am A VICTIM and can not even receive money from my parents in XXXX because of this. This is why I am reaching out and asking that they kindly allow early warning to remove my information so I can get a bank account with another financial institution. I am a XXXXXXXX XXXX XXXX and a bank account is imperative to me being able to function in America.

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 2023-05-01 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: AR

Complaint narrative:
I filed this claim days ago, and when I attempted to contact the company involved they put me on hold for one hour and a half the first time, thirty minutes the second, and twenty minutes the third. My rights as a consumer have been violated. It is the duty of financial institutions to protect the security and confidentiality of my information and this company has failed to do that. 

Complaint : XXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2023 Open Company response is in progress as of XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX To Whom it May Concern : My family received XXXX gift cards in the amount of {$100.00} each form my father who lives in XXXX XXXX of XX/XX/XXXX. Since the receipt of those cards, we have all opened our package at different times, out off all XXXX, only XXXX has not been compromised. 
I have sent communication on XXXX of XXXX cards that were compromised since XXXX to present, with back up of receipt, ID, package and card, etc. You have verbally taken my claim on XXXX of the cards and have submitted new ones in my name for replacement. I say this as I no longer have the originally receipt on hand as at the time the XXXX card was not opened to verify if it was used already. 
If you can please look in your records under my name for past receipt that would verify my claim, along with the below information to indicate what I am saying as to when it was purchased. We did not use this card on the time or location listed below. 
Thank you for your time and consideration in this matter 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 monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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