vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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: CA

Complaint narrative:
late payment IN XX/XX/2022 that XXXX  XXXX XXXX  account # XXXX This is my second time reaching out about this incorrect late payment that is clearly unfair!!!!! This late payment dropped my credit score XXXX points, now my home loan is on a hold due to this false inaccurate reporting. I have always made onetime payments. I have never been late! This is completely unfair. I never imagined this can happen to anyone. This is not just inexcusable but totally unjustifiable. I demand it be updated to PAYED AS AGREED AND NEVER LATE! 

XXXX XXXX XXXX XXXX XXXX XXXX 
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I took out a cash advance of {$15000.00} on my Bank of America card ending in XXXX on XX/XX/XXXX of 2022, and went online and paid it off in full ( principal, fee, and interest ), or so it said when I made the payment. What it did not tell me by text alerts that although I had 'pain the current balance ', that interest accrued for that day and a balance would remain. I received no notice of this. Months later I received a letter telling me I was over 90 day late on these interest payments which accrued AFTER being told that my account was paid in full. This has severely damaged my credit rating and Bank of America told me there was nothing they could do. My credit score which was above XXXX fell over 100 points. I spoke to XXXX today and they said to contact you, file a complaint and send them a copy. Can you please help me? Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREA Complaint department To AMERICAN EXPRESS TOTAL XXXX CHARGE OFF ACCOUNT AMOUNT : {$1400.00} DATE XX/XX/XXXX {$1900.00} DATE XX/XX/XXXX Dear AMERICAN EXPRESS agency manager, I am writing this letter to bring to your notice the following information added to my credit report for 2 account The amount 1- {$1400.00}. 2- {$1900.00} are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and this account has been closed over 7 years and the name of both account under limited liability business, credit reporting agencies notified to delete any trade line and this collection agency has no further contact me regarding this account.

I would request you to revise the report after due diligence. I request you to clear my credit report as soon as possible to help me continue business. Please look into this matter and do the needful as soon as possible. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
BK OF AMER HARD Inquiry, XX/XX/23, ( XXXX ) Received a voice mail from someone claiming to be from Bank of America asking me to contact them back to verify personal information for suspected credit 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 non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX I purchased a dishwasher from Best Buy on XXXX. It was to be delivered XXXX but because of a miscommunication with a third party delivery service it was finally delivered on XXXX, badly dented. I refused it and cancelled the purchase and credit card with Best Buy onXXXX 
The purchase was made by opening a no interest card issued by Citi card. Since I had already been billed, I contacted best buy to make sure the purchase and card were cancelled. A fellow named XXXX with the XXXX XXXX assured me that everything was closed. Then I started receiving phone calls from Citi card requesting payment, and that I as accruing late payments on a {$200.00} debt. 
When I contacted Best buy to figure out if a had this debt I was referred to Citi card, and was told that they couldn't find my account and to contact Best buy. A lady named XXXX ( XXXX XXXX  member ) finally figured out by listening that I was being scammed and didn't owe anything and the account was closed. 
The scammer calls and asks the same questions that Best buy customer service members ask, except that they push to get the first four digits of your credit card, not the last four. The accent of calls are foreign sounding and callers are male and female.

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 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. XXXX XXXX Bank is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with XXXX XXXX, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer.

I request that the 30-day late be removed from all 3 bureaus as a courtesy by 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 non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. XXXX XXXX Bank is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with XXXX XXXX, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer.

I request that the 30-day late be removed from all 3 bureaus as a courtesy by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and my loan number is XXXX. XXXX XXXXXXXX XXXX is reporting a 30-day late on my credit report. This needs to be removed. During the RESPA period with XXXX XXXX, I was never contacted or advised that my servicing was transferred to them. I continued making my payments to my previous servicer without any issue until finally one was returned to me. I have made all payments to date on my mortgage. I should not be responsible for the lack of communication from the new servicer.

I request that the 30-day late be removed from all 3 bureaus as a courtesy by 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 non-monetary relief
Consumer complaint received 2023-01-26 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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
Under 15 US CODE 6802, ( A ) a financial institution may not disclose non public information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or an electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a third party. ( B ) the consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This means that by law, I have the right to opt out of having such information reported. I demand that all DEPARTMENT OF EDUCATION/AIDVANTAGE  accounts be DELETED AND REMOVED from my Credit Report IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am being charged for items I do not have. I have contacted XXXX XXXX  and Synchrony about these charges. With no help. I have asked for proof of purchase to be sent to me including name and signed invoice or delivery slip. Which after waiting for 30 days I have not received until XXXX XXXX which does not belong to me! I am XXXX XXXX not XXXX XXXX this is a fraudulent charge and according to my rights I want it removed immediately from my credit. I spoke with XXXX at XXXX XXXX on XXXX XXXX who confirmed in the begging of our conversation that the items are returned/refused.

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 2023-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

XXXX XXXX was an account on my credit report that I deleted over 8 months ago, due to fraud and has not reflected on my experian credit 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 non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I had a credit card through XXXX XXXX  that was set up i. auto pay XX/XX/2022 before any purchases were made. I called XXXX XXXX after receiving a notice that my bill was not paid. They told me they made a mistake and reversed late fees. At that time, I confirmed with the rep that the card was on auto pay and they said yes. 3 months later I receive a notice saying the card

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 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I put a deposit on this credit card when I opened it in the amount of {$250.00} dollars. XX/XX/XXXX I called the company and closed the account. The company is still charging late fees and high interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XX/XX/XXXX I sent a certified mail letter to a company called Wells Fargo Auto regarding this unauthorized inquiry to my consumer report that took placed on XXXX XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Wells Fargo Auto. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I received a letter in the mail today that Wells Fargo Auto sent off on XX/XX/XXXX stating that they received an electronic loan application that I didnt have any knowledge of or did not submit any loan application. However, I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.

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 2023-01-26 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: DE

Complaint narrative:
In Accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 



USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 USC 1693 2 Section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the caller number.

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 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo loan # XXXX I completed two loan remodifications and ended up being taken advantage of and they took more money from me. 
Please look into these remodifications and see if they were correctly done.

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
I received my first call from " XXXX '' today XX/XX/XXXX, from " XXXX '' who left a vague but compliant voicemail. I called the number back at XXXX XXXX  and a woman whose name I can't recall, attempted to transfer me to " XXXX XXXX. I asked specifically, " what is your field of business '' and was only advised, " We're 'Genesis '. We handle a range of business ''. During my transfer to " XXXX '', the representative D-Something, disconnected the call on me. I called back at XXXX XXXX  and spoke with XXXX or XXXX or something like that. I informed her to remove my reference, despite not knowing how they even FOUND a reference. She did not acknowledge that that number would be removed. I also informed her, that I would not be paying the debt as I don't feel compelled to pay debt to a XXXX  of an apartment community who I had nothing but noted issues with. She asked me multiple times to confirm I would like it documented as a " refusal to pay ''. I informed her that's fine. I then instructed her to mark my numbers has XXXX after she threatened me with continued collection efforts. Upon that remark, I made it clear the debt would not be getting paid and she ended the call by saying, " they will be paid '' and under the CFPB guidelines, that's enough to count as harassment as well as threatening collection tactics. Also, she did not give me the XXXX prior to disclosing the nature of the call. I called back and spoke with a supervisor, again, I don't remember his name and he was apologetic and confirmed the numbers had been removed. I informed him that the complaint would be filed as they have violated several guidelines and as a consumer and debt collector of 9 years, I'm very familiar with the collection laws. I also received notice from a " reference '' that when they were called, " XXXX '' refused to identify themselves upon multiple requests for the company information and when the " reference '' instructed that their number be removed, the agent specifically told them " no '' and that the number would remain on file. I informed the supervisor of timestamps for the calls for reference to these violations. Prior to today, XX/XX/XXXX, I have not been in communication with " XXXX ''. I had no details informing me of who they were or to be expecting their call. This balance is certainly not worth the legal action I am very much so willing to take fir not XXXX or XXXX, but multiple violations and I truly hope they take the loss on my {$400.00} rather than having to pay out a nice chunk of hush money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I made a check deposit and my account was closed.

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 2023-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously disputed XXXX XXXX account ( XXXX ) due to identity theft and submitted supporting documentation and an Identity Theft affidavit. An investigation was conducted resulting in both disputed accounts being deleted. However, the XXXX XXXX account XXXX has been reinserted into my credit report. I was never notified by Experian as required by FCRA 611 Procedures in case on disputed accuracy [ 15 U.S.C. 1681i ] ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information.

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