vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Ark-La-Tex Financial Services, LLC
State: TX

Complaint narrative:
Before I separated from the military I filed my Benefits Delivery at Discharge ( BDD ). I let my lender and the loan processor know that I filed my BDD claim and had an extensive claim. If a veteran has at least a 10 % disability rating by the VA, they are not required to pay the VA funding fee. 

On XXXX XX/XX/2022 I was told, " I received the confirmation from the Lender just now confirming that unless we have the letter acknowledging the preliminary rating from the VA, the borrower must write a letter stating he acknowledges that once he closes, he will not receive a refund. 

I spoke with the borrower, and he indicated he does in fact wants to receive his refund after closing. The letter must be obtained BEFORE- not during or after unfortunately. '' Despite expressing that I have a pending BDD claim that is highly likely to be at least 10 %, I was told to write a letter stating that I will not receive the fee refund. 

Additionally, on XXXX XX/XX/2022 I was told, " Please indicate in the letter that you are fully aware and understand the Funding Fee will not be refunded to you once you receive your disability rating and status after the closing of this transaction. '' Despite expressing that this would greatly impact my financial stability, I was forced to write the letter so that I would not lose the loan on our house. We had no housing, since I was separating from the military, so I feel as if I was forced to comply to not be homeless. I relocated to a different state for a job, so this action caused great harm to both my mental health ( worrying that we'd lose our house, worrying about what to do with the fee ) and financial health ( having to pay an additional amount on a loan ). 

My agent, who is also a XXXX veteran, also pleaded for the mortgage company to let me submit my paperwork when it comes in and receive a refund. 

Ultimately, I received a XXXX XXXX  XXXX rating and I was charged {$9500.00} for the VA funding fee, which I would have qualified to have waived if the company had waited for my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
this is my second dispute regarding accounts on my credit report that does not belong to me i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, 609, 611, 608 : -XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this name XXXX XXXX XXXX acc XXXX name XXXX  XXXX acc XXXX name XXXX acc XXXX name XXXX  XXXX XXXX XXXX acc XXXX name XXXX XXXX acc XXXX name XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX XXXX XXXX acc XXXX acc XXXX name XXXX accXXXX name XXXX XXXX acc XXXX name XXXX XXXX XXXX  acc XXXX name XXXX XXXX acc XXXX I NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Kikoff Inc.
State: MD

Complaint narrative:
XX/XX/2023, I realized my account with Kikoff was closed and I didnt get a notice until after it was already closed when I checked my email. I was going to pay for my copay for the eye doctors because I thought I had a scratched eye. They seized all the money I had at the time and I almost couldnt be seen to fix my eye. It wasnt for my friend I couldve went XXXX since I couldnt pay for anything and I was sitting there looking stupid. I tried calling calling there support number but it kepted asking for a card number or my ssn. The automated voice couldnt recognize neither since I guess my account was already closed. So I had to email them in which I had to wait 2-3 buisness days for them to reach back to me and it states At this time our fraud team has investigated the account and has processed a closure of the account due to inconsistent information found. We do regret to inform you that this action is permanent and will need to refer you back to your financial institution for any further action on funds sent to the account. 

We thank you for your cooperation in the investigation and wish you well on your financial journey. I find that to be crazy because I can verify all of my information. All they needed to do was contact me! As of now I dont have any money and I have to open up another account for my direct deposit. They wont give me my {$220.00} until XX/XX/XXXX. I need that money because I am supposed to be going on vacation soon. This is all an inconvenience to me and its not fair because I actually liked using them as a bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MA

Complaint narrative:
I have 5 Parents Plus loans serviced by EdFinancial. 
I am trying to arrange priority of payments according to interest rates, but the EdFinancial website does not provide that information. Additionally the EdFinancial website does not provide the formula and/or calculations for my monthly payments. Given the widespread reports of student loan servicing companies miscalculating monthly payments, I want to verify that their calculation is correct. 
EdFinancial does not respond to my email inquiries.

The EdFinancial chat feature does not work. 
The telephone number either cuts the call after an outgoing message saying there is too much volume or has hold times in excess of 2 hours. 
EdFinancial is refusing to provide necessary information regarding my loans. This predatory practice is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-08-31 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: IL

Complaint narrative:
Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!

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 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I applied for an Amex gold credit card which has a welcome bonus of XXXX points after spending XXXX in the first 6 months which I already did. but I never received a welcome bonus. 

I reached out to Amex about this is they said I would not get a welcome bonus if I had another Amex. 

During the credit card application, they never sent any message or alert stating that I would not get a welcome bonus due to already having another credit card before and after I submitted my application. 

if I had known or received any kind of message about this I would never have gone and applied for the new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I keep getting the run-a-round oh were really busy but we have you in line and will be addressed... never receive a call to work my access to experian works! its been an ongoing unable to access past 3+ months.

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 2023-08-31 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I did not apply for a line of credit.

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 2023-08-31 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: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
I did not apply for a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have been an American Express customer for about 30 years. I generally spend $ XXXX a month, as I use it for everything. I previously had an AMEX platinum card but cancelled it a couple of years ago because I couldn't justify the annual fee. I now have a XXXX XXXX XXXX XXXX XXXX and I have 2 family members with the card as well. 

I pay my bill every month and in full. Last month, I was one day late paying my bill ( {$11.00}, XXXX ) and was penalized with a {$29.00} fee and {$460.00} in " penalty interest '' of 29.99 % ''. 

I called Amex on XX/XX/31 at XXXX XXXX, and was told that because I had made similar request in XXXX ( again only a day late ), that the card was not eligible for additional waivers. AND that I should set up automatic payment to avoid future issues, which I do not care to do. I spoke to a supervisor to ask if he was interested in saving my account and he said he could not because of the XXXX waiver. 

I previously worked for a bank and upon occasion dealt with fee issues related to checking accounts, so I understand that this is a way for Amex to increase fee revenue in a rather easy manner. I also dealt with informing customers as to changes in policy and I would say in this case, not getting written information clearly pointing out that if my payment was even " one minute past midnight '' on the due date I would be charged with both a fee and an interest charge. Statement messages are easy to miss. 

Yes I should have paid my balance by the due date, but I view this as an unfair and deceptive practice and will not be using my card much. I will not cancel it yet because I just paid the {$260.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Lack of Response from Equifax Regarding Verification of Inquiries - FCRA Credit Rule Violation Dear Sir/Madam, I am writing to express my deep dissatisfaction with Equifax 's lack of response to my dispute letter dated XX/XX/2023, requesting verification of certain inquiries on my credit report. Despite my efforts to rectify this matter in accordance with the Fair Credit Reporting Act ( FCRA ) credit rule, I have not received any communication from Equifax. 

The FCRA credit rule clearly stipulates that consumers have the right to dispute inaccurate or incomplete information on their credit reports and that credit reporting agencies must investigate and respond within 30 days of receiving a dispute. My dispute letter was sent to Equifax on XX/XX/2023, and as of today 's date, more than [ number of days ] have passed without any acknowledgment or response from their end. 

I have taken all necessary steps to ensure the accuracy of my credit report, and I am greatly concerned that Equifax 's lack of response not only violates the FCRA credit rule but also jeopardizes my ability to maintain a fair and accurate credit profile. This situation has caused me undue stress and uncertainty about the accuracy of my credit report, and I feel that my consumer rights have been undermined. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that Equifax adheres to the FCRA credit rule and promptly addresses my dispute. I urge you to investigate this issue and take appropriate action to rectify the situation. 

Enclosed with this letter are copies of the dispute letter I sent to Equifax, as well as proof of delivery and any relevant documentation. I appreciate your attention to this matter and your assistance in resolving this dispute in a timely manner. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and confirmation that Equifax has complied with the FCRA credit rule. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-08-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this name XXXX XXXX XXXX acc XXXX name XXXX  XXXX acc XXXX name XXXX acc XXXX name XXXX  XXXX XXXX XXXX acc XXXX name XXXX XXXX acc XXXX name XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX XXXX XXXX acc XXXX acc XXXX name XXXX accXXXX name XXXX XXXX acc XXXX name XXXX XXXX XXXX acc XXXX name XXXX XXXX acc XXXX I NEED EVERTHING REMOVED WITH IN 14 TO 30 DAYS 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 non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
In XX/XX/XXXX  I purchased 4 guitar cases from XXXX on XXXX for {$230.00}. The vendor stated in their listing that 100 % customer satisfaction was guaranteed and that return shipping would be paid by the vendor. ( I have screen shots proving this and I provided them to CITI CARDS. ) When I asked to return the items, XXXX sent me to a webpage that provided me with four postage-paid return labels THAT WERE ALL EXACTLY THE SAME. I packed up the items, attached the labels, and brought them to the Post Office, where I was told that none of the labels had enough postage to return even one of the items. XXXX subsequently told me that the cost to return them was more than they were worth and offered to refund me {$5.00}. I could not find a way to contact XXXX, which I'm sure was their intention. So I contacted CITI CARDS ( in XXXX  ) which promises to protect its customers from fraud such as this. CITI refused my dispute. They have given various excuses for this at various times. They claimed I didn't prove that the vendor did not honor their promises, which is false. They also claimed that they could not refund my money because I didn't return the items! This is clearly a Catch 22 and it is THEIR fraudulent rule, which they could change. They have also claimed, recently, that there is nothing they can do because it has been so long. Lie. CITI is in cahoots with criminals on 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 2023-08-31 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: VA

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payment in XX/XX/2020 on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have not ever not once been late on a payment for this account ( below ). 

Account name - XXXXXXXX XXXX Account number - XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( Equifax ) Please investigate and provide proof with statements, showing and verifying that I was late on this payment. If proof cant be provided a demand this payment be updated to on time as I was NEVER late to begin with. Thanks.

Company response to consumer: Closed with non-monetary relief