vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I obtained Wells Fargo XXXX XXXX credit card in XXXX XXXX XXXX. The card offered a promotional 0 % interest rate on all balances if paid in full within 18 months. I'm submitting a complaint because the nature in which the interest is charged after the promotional balance has ended is extremely predatory. The current interest rate is 28.99 %. Before the promotional balance ended, my balance on the card was {$5500.00}. Now my balance has increased to {$9900.00} because of the added interest.

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 2022-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
I am a legal aid attorney submitting this on behalf of my client XXXX XXXX, who has a mortgage serviced by Citizens One Home Loans. 

Borrower : XXXX XXXX Servicer : Citizens One Home Loans Subject Property : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Loan # : XXXX My client applied for and received {$21000.00} in Homeowners Assistance Funds to reinstate her mortgage ( see benefits award letter attached ). That money was wired to Citizens, according to the eligibility analyst at Louisiana 's Homeowner 's Assistance Fund, but Citizens has not applied the funds to my client 's account, nor have they provided any explanation as to why they haven't applied the funds to my client 's account. 

We have repeatedly contacted my client 's single point of contact at Citizens, but have received no response since XX/XX/2022. 

I sent a qualified written request and notice of error to Citizens regarding this issue on XX/XX/2022 ( attached ). I have not received an acknowledgement or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: IL

Complaint narrative:
I sent a letter on XXXX XXXX to XXXX. here is my tracking XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

according to law 15 u.s. code 1681a definition : rule of construction The term investigate consumer report '' means a consumer report or port thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.however, such information shall not include specific factual information an a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This regards the " XXXX XXXX '' program from the Experion Credit Bureau. 
program. I signed up for the progam and a few months went by. 

I then saw a promotion for the program that I could include my rent in the " XXXX '' program. 
I tried to add rent but the first thing they demanded was that I share my bank account details. I was not comfortable with that. It turned out they didn't accept the company that I paid my rent to .They have their own select rent providers you have to pay rent to.

I assume they have a business arrangement with these comapanies.

I decided against signing up with their business partners to pay my rent. I revoked access to my bank account for Experion.

I then recieved repeated emails demanding that I provide access to my bank account when that was previously not a requirement. Now, they are threatening to kick me out of the program and unless I comply with their demands to have access to my bank account.

In my view, this is blackmail and an abuse of their outsized position in people 's financial lives.

The program is there to presumably help your credit score.

So kicking people off the program is a threat to their credit score.

After revoking access to my bank details, Experion sent me an email saying my credit score had dropped. I checked for the reason and there was none.

No new debt, no missed payments etc ....

Experion is using this program to exploit people 's personal data and using blackmail to do it.This is extremely shady.Experion is in aposition to affect peoele financial lives and they are exploiting that.

Experion has a history of very large data breaches. People should not have to be drawn in to provide them with mroe information than other credit rating bureaus get just to provide a legitimate credit score.

I am now recieving daily emails from Experion with these threats. 

This is the partial text of the email : " Dont forget : Time XXXX running out to reconnect your Bank XXXX XXXX account XXXX XXXX to keep enjoying Experian XXXX and Personal Finances via your Bank XXXX XXXX account, you need to reconnect it. ''

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 2022-11-16 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: PAR FINANCE, INC.
State: KY

Complaint narrative:
on or about XX/XX/2022 i sent a request to company regarding account level documentation about the debt company has failed to respond but continues to report negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate.

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report Did you interview my neighbors? Did you interview my friends? How did you talk to? 
I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same Information.

One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same 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 non-monetary relief
Consumer complaint received 2022-11-16 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: FL

Complaint narrative:
I send a reinvestigation letter to XXXX, XXXX, and Transunion pertaining XXXX  XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from XXXX, TransUnion, and XXXX was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from XXXX and Transunion. XXXX did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the 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 2022-11-16 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: FL

Complaint narrative:
I send a reinvestigation letter to Experian, XXXX, and XXXX pertaining XXXX XXXX XXXX account on my credit profile. I also complained to CFPB about the inaccuracy and damages that these credit reporting agencies have done to my credit report. The response I received from XXXX, XXXX, and Experian was that the inaccuracy on my credit report was verified. I was not given any information on how this inaccurate reporting is verified, and what was investigation methods used to verify the information. I am still left with my credit hurting with inaccurate information. Down below you will find the letters I have received from XXXX and XXXX. Experian did not respond to the investigation which is a violation of the company have 30 days to respond and they failed to do. Also, I included the next set of letters mailed out to the credit agencies below requesting some answers and accountability and deleting the 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 explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was a victim of fraud and {$440.00} was charged fraudulently to my debit card account with Bank of America. 
XX/XX/XXXX - {$18.00} to XXXX XX/XX/XXXX - {$8.00} to XXXX XX/XX/XXXX - {$110.00} to XXXX XX/XX/XXXX - {$24.00} to XXXX XX/XX/XXXX - XXXX to XXXX XX/XX/XXXX - {$35.00} to XXXX XX/XX/XXXX, XXXX {$28.00} to XXXX XX/XX/XXXX - XXXX to XXXX I rarely use my debit card, I only use my credit card which is which I did not report the charges until XX/XX/XXXX when I saw that my account was almost overdrawn and became aware of these fraudulent charges on my account I called bank of America to report the fraud and opened the claim on XX/XX/XXXX. The credited my account the {$440.00} and said they would investigate the claim. I have never used doordash which anyone with access to my account and investigating these charges could easily verify. On XX/XX/XXXX, Bank of America canceled the credit and took the {$440.00} credits to my account back and they stated that I authorized these charges which was not the case. They were NOT point of sale transactions where a physical card with a pin was used. I called BOA and was told to write a letter and fax it. I wrote a letter and faxed it from a BOA branch on XX/XX/XXXX. I called to follow up on XXXX which is when I was told no letter was received and to re-fax it which I did and I was told that a reconsideration claim would be opened and to call back in XXXX business days. I called on XX/XX/XXXX and was told nothing was done and to call back XX/XX/XXXX which I did again and I was told that nothing again was resolved and they were going to expedite the claim. This is outrageous. BOA clearly states : The {$0.00} Liability Guarantee covers fraudulent transactions made by others using your Bank of America consumer credit cards and consumer and small business debit and ATM cards. To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. I did exactly what they said and they still denied my claim.

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 2022-11-16 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: Marlette Funding, LLC
State: GA

Complaint narrative:
the XXXX never investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XXXX to accurately determine or with any reasonable effort, determine if the debt belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: TX

Complaint narrative:
Me and co-buyer closed on XX/XX/XXXX. Upon closing we were not informed about a " construction loan '' by the closer. We were informed that construction would begin XX/XX/XXXX and upon completion the lender ( Triad ) would have to sign off prior to us receiving our keys to the home. Construction was signed off by lender ( Triad ) on or around XX/XX/XXXX. The issue we are having is me and co-buyer were sent on XX/XX/XXXX our updated payment letter via email, and received notice that we were behind on payments in the amount of {$3200.00} for months XXXX thru XXXX concerning this construction loan. We were informed then that we couldn't start paying towards our mortgage that was due to start XXXX XXXX until that is paid in full. We were surprised at this as we never received any bills, phone calls, or notice of this from lender ( Triad ). The day after on XXXX XXXX we were then informed that our mortgage loan would be going to XXXX XXXX XXXX XXXX XXXX but then again they wouldn't release the loan to them until said " construction loan '' is paid in full. We have since asked for the bills or notices to be sent, and we have yet to receive that information regarding " construction loan. '' I also have email correspondence where Triad has stated it was a mistake on their end that we didn't receive those bills as they had all up to date addresses and phone numbers, but weren't really sure what happened. Another email correspondence I sent to Triad asking why we are being charged for months XXXX through XXXX when actual construction was XXXX through XXXX. Trying to get the matter resolved quickly we paid {$1500.00} against said " construction loan '', but when we went to pay off remaining balance we were told interest had been accrued as the loan is in collections and the pay off was again back up to $ XXXX. How are we in collections without any notice, and how did Triad come up with this amount. I did calculations based construction starting in XXXX to XXXX and that came out to around {$1600.00}, but if they applied XXXX as well it would have come to {$2400.00}. With us paying {$1500.00} to Triad already at the most we would owe {$940.00} or least {$130.00}, but we are again awaiting the bill notices. I was informed this morning that I'd be receiving a call from management, and at this time still awaiting. We can't see to get a straight answer from anyone and each department has a different conclusion. This matter we are trying to clear up as soon as possible, but instead it feels as though Triad is extending this matter and we are being charged interest every month until paid in full and that is due to this being in collections ( debt ) when in all actuality we shouldn't be as NO BILLS, NO CALLS, NO CORRESPONDENCE was ever made prior to now. That is unlawful and wrong and Triad needs to work with us not against just to get extra monies out of us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 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: CA

Complaint narrative:
" Re complaint # XXXX It has been over 30 days. You must now delete all items ousted in complaint XXXX from my credit report. Since you were unable to validate these items in the 30 days allotted.

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
usaa rejected 3 of my payments when i had money in the bank. not only did they charge me XXXX dollars but one of my payment companys charged me a XXXX dollar return fee. USAA returned XXXX dollars but not the whole amount which they caused me to be charged. I'm asking that USAA return XXXX dollars in total that is still not returned. attached are screen shots.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: NY

Complaint narrative:
A XXXX credit card which I have seen added to as an authorized user without my authorization is being reported on my Equifax Credit report. 

XXXX XXXX Account # starts with XXXX Opened on XX/XX/2019 Charged off with balance of {$9700.00} I have called XXXX multiple times to remove myself from the account. However a representative advised me that she's unable to do so due to the delinquent status of the account. 

Since I'm not the primary account holder, I was never responsible for this account and it does not belong to me. 

I have also disputed the account with Equifax but it's still being reported on my report. 

This is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I have called XXXX separate times in XXXX weeks and also chatted with a representative and received XXXX different answers. MOHELA has constantly changed the answers and information given to me. They refuse to clarify the process or expedite my concerns. I have met requirements for loan forgiveness at XXXX payments and the same approved employer. I was first told I was on a discharge list to be discharged within a few weeks, then told I was not on a list at all, then told on the list but 120 days. I need help please and to be told accurate information. I am eligible for immediate discharge and I do not deserve to keep getting different information and no help on this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation